{"id":12279,"date":"2023-02-22T13:45:39","date_gmt":"2023-02-22T05:45:39","guid":{"rendered":"https:\/\/www.dev.articusfinance.com\/mortgages-for-bankers"},"modified":"2023-09-17T21:47:04","modified_gmt":"2023-09-17T13:47:04","slug":"mortgages-for-bankers","status":"publish","type":"page","link":"https:\/\/backup.articusfinance.com\/us\/mortgages-for-bankers","title":{"rendered":"Mortgages for Bankers"},"content":{"rendered":"\t\t
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Mortgages for Bankers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Mortgages for Bankers<\/h2><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Further government restrictions and a clampdown on banker bonuses have seen many banks forced to change their remuneration package for employees. This can lead to complications when applying for a mortgage as previous bonuses may be tied into stocks or included in a higher basic salary. Some of these changes have led to inconsistent income for bankers, leading to difficulties in proving that they can repay a large loan.<\/p>

Bonus income can inevitably fluctuate and so it is important to reflect the long term likelihood of your income to reflect your ability to pay. Many high street lenders may be nervous to offer mortgages based on inconsistent income and so it\u2019s important to use a broker like Articus Finance, who understands the intricacies of a banker\u2019s income and can process the application accordingly.<\/p>

What is a mortgage for bankers?<\/strong><\/h2>

Mortgages for bankers can be a highly specialised area of the loan market. The often \u2018lumpy\u2019 income based around bonuses and tied to vested shares requires bespoke applications to select lenders who take a flexible approach to awarding finance.\u00a0<\/p>

Many of the lenders who work with Articus Finance will take a sympathetic approach to those with whom their individual wealth is tied to assets, rather than a regular wage packet. We will aim to utilise your full income portfolio to secure preferential rates and higher mortgage values than you may ordinarily achieve through a high street lender.<\/p>

An additional issue that bankers may face is that they may be self-employed. Many mortgage lenders will look for at least 2 years of accounts, based around ingoings and outgoings. Because of the inconsistent nature of banking and the fluctuations in share values and the price of assets, some account years may reflect differing incomes than others. We will ensure that we work with lenders who take a long term approach, focusing on your average income over a longer period of time.<\/p>

Why use a mortgage broker for a banker\u2019s mortgage?<\/strong><\/h2>

Accessing a mortgage for bankers is not always a straightforward process. In a highly stressful and busy occupation, it can be difficult to find the time to negotiate with different mortgage lenders, or to put together a comprehensive application. Articus Finance understands the issues faced by bankers when applying for a mortgage. We take the time to fully understand your individual situation, your finance requirements and your property goals. We will work to not only obtain a mortgage to your desired value but also to get a deal that suits all parties and is competitive within the current financial market.\u00a0<\/p>

We will deal with all aspects of the transaction for you, working with our extensive network of private lending institutions to achieve the very best outcome.<\/p>

How do I get a\u00a0banker\u2019s\u00a0mortgage?<\/strong><\/h2>

In simple terms, lenders will base their criteria on whether your income is sufficient to repay the loan in full. If you have a regular basic pay and no other residual income, then this process is relatively uncomplicated. However, the nature of the banking world and the ebb and flow of investments means that your true income isn\u2019t always clear. High street lenders can be very black and white in this area and will use lending criteria rather than looking at each individual case on its merits.<\/p>

As long as you can prove that you have the necessary assets and income over the long term, then we will do our utmost to ensure that you can achieve the level of finance that you require.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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HIGH NET WORTH <\/br>MORTGAGE GUIDE<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Related Case Studies<\/h2><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\u00a31 MILLION UK MORTGAGE FOR US BANKER LIVING IN THE UK<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Proven Expertise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our specialist mortgage brokers based in London are highly experienced in negotiating the best mortgages and mortgage rates, no matter how complex your situation.<\/p>

With over 20 years\u2019 combined experience sourcing the best mortgage deals for global clients, our brokers have the skills, knowledge, and lender relationships to turn your property aspirations into a reality. To find out how we do it, explore our case studies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Related Services<\/span><\/h2><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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MORTGAGES FOR SOLICITORS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MORTGAGES FOR BARRISTERS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MORTGAGES FOR<\/br> DENTISTS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MORTGAGES FOR DOCTORS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MILLION POUND MORTGAGES\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00a3500,000 MORTGAGES\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Need Assistance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Whether you\u2019d like to make a finance enquiry or simply have
a question about our services, we\u2019re on hand to help.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\u00a0\u00a0\u00a0<\/i> 020 8088 5465<\/a> |\u00a0 \u00a0\u00a0\u00a0<\/i>info@articusfinance.co.uk<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Mortgages for Bankers Send an Enquiry Mortgages for Bankers Further government restrictions and a clampdown on banker bonuses have seen many banks forced to change their remuneration package for employees. This can lead to complications when applying for a mortgage as previous bonuses may be tied into stocks or included in a higher basic salary. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-12279","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/pages\/12279","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/comments?post=12279"}],"version-history":[{"count":1,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/pages\/12279\/revisions"}],"predecessor-version":[{"id":21546,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/pages\/12279\/revisions\/21546"}],"wp:attachment":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/media?parent=12279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}