Large Mortgages & High Value Loans

That depends on the lender. Some High Street lenders will use 25% of the last bonus added onto the basic salary...some will take 100%. We know who is best to approach when bonuses are part of the equation.

Yes. We deal with regional building societies, private banks and other niche lenders who will look at each client on an individual basis. The range of income multiples can be as high as five times or more.

Yes…it helps if you are living in the UK, but if you are outside of the UK we can still assist. It really helps if you have a global tax adviser or work for a large international corporation. Keep in mind there are some countries that do not allow their citizens the ability to borrow towards a property purchase.

At Charcol we’re used to working with high net worth individuals who are under real time pressure. That’s why we come to you and fit in with your schedule.

We’re expert at arranging this kind of mortgage, making the best of low rates of borrowing with capital payments when bonuses are available.

Unlike high street lenders we’re fast and nimble, so if you need us to talk to an Estate Agent or make things happen fast to secure a particular property, we’ll do everything we can to make that happen.

Yes. At Charcol our consultants are all experienced independent financial advisers. We often arrange London City mortgages through reputable private banks and investment houses who have much more flexibility on who they lend to and how much they will lend.