Private Equity and City Worker Mortgages

A mortgage to suit your situation

Whether your existing financial arrangements are relatively straightforward or complex, we like to think that no income structure is ever too complicated. We have access to a range of lenders that consider your basic salary as a city professional, as well as your bonus, carried interest or even vesting stock as part of your mortgage application.

Individual mortgage interest rates

High street lenders and private banks offer a selection of fixed and tracker rate mortgages. The lowest high street £1 million+ mortgages are now available below 4.4% with £999 arrangement fees.

The actual rate available to you will depend on your individual circumstances. Ask us for a personalised illustration.

Aaron Strutt, Product Director at Trinity Financial, says: “Private equity professionals, investment bankers and senior City workers are exactly the sort of clients many lenders want to attract. They often have strong basic salaries, sizeable bonuses, carried interest, RSUs, vesting stock or foreign currency income, and they may need larger mortgages to buy in London and the South East.

“The best lenders for these clients do not just compete on rate; they also compete on affordability and acceptance criteria. Some banks are prepared to offer their lowest fixed and tracker rates, higher income multiples and more flexible underwriting to higher earners, particularly where the borrower has a strong deposit, clean credit profile and clear evidence of income.

“The challenge is that every lender treats complex income differently. One bank may ignore a large part of a bonus or carried interest, while another may use it to support a much larger mortgage. That is why using a broker can make such a difference. It is not just about finding a cheap rate; it is about finding the lender that understands how the client is paid and is prepared to lend the amount they need.”

No assets or investments required

You don’t need a portfolio of savings or investments to apply for a Private Equity and City Professionals mortgage. More lenders offering £1 million+ mortgages do not require assets or even a bank account to be opened as part of the transaction.

Property locations

Trinity Financial's brokers can access mortgages for Private Equity and City Professionals buying residential and buy-to-let properties across the United Kingdom. 

Residency

Many Private Equity and City Professionals mortgages are primarily available to UK residents. However, if you live, work or are domiciled overseas, a range of banks and building societies are keen to issue you mortgages. 

Country Estates and Property With Land

Many mortgage lenders offering £1 million+ rates will lend on prime London properties and country estates with land. They do not mind whether the property has land, but if it generates income from commercial activities, this can cause issues.   

Foreign currency income is welcome

Our advisers also have access to various lenders that consider income derived in foreign currencies. 

Trinity Financial has access to banks and building societies that provide mortgages to borrowers, paid in many currencies, including Euros, US Dollars, and Swiss Francs.