Their First UK Home and a £1.4M Mortgage to Make It Happen
Project Overview
Client:
Income Type:
Mortgage Amount:
Bank Used
Challenge
Our clients were looking to buy their first home in the UK after 15 years living and working in Spain. As first-time buyers, they were aiming for a £1.8 million property and needed to borrow £1.4 million.
Their income structure made things even trickier:
- He worked as a partner at a Big Four consultancy with a complex salary package and overseas investments.
- She worked for a global tech firm, with nearly half her income coming from RSUs (Restricted Stock Units).
Most lenders were quick to decline their application. Being new to the UK credit system and having non-traditional income sources made it hard to tick the usual boxes.
Results
After being turned away by several lenders and brokers, the team at Limitless stepped in. By carefully presenting their case and directly engaging with underwriters, we were able to secure a mortgage at a highly competitive rate.
With our expertise and strong lender relationships, we helped them buy their dream first home, overcoming the hurdles of complex income and limited UK credit history.
End result: a £1.4M mortgage approved for a £1.8M purchase—and two very happy first-time buyers.
