Executive & Business owner Mortgage Advice

Advice for high-flyers.

If you’re a business owner, executive, or professional with income that doesn’t play by standard lender rules, you need smarter mortgage advisers with good relationships with specialist lenders

That’s Moat Premier.

How we help:

•

Experts in complex income structures

•

Access to specialist lenders

•

Maximising borrowing potential

•

Handling complex documentation

•

Saving you valuable time

For high earners who don’t fit
neatly into boxes.

Our clients are busy building businesses, leading teams, and chasing big ambitions. They’ve little time for doing battle with mortgage applications.

That’s why they turn to us.

We get complex earnings, work with specialist lenders, and handle everything from start to finish.

And yes, it’s all free.

Business owners

You’ve got enough on your plate running a business; your mortgage shouldn’t add to it.

You’ll be taking your income as tax efficiently as possible, which means complex income arrangements, involving salaries, dividends, bonuses and loans.

We get it, and so do the specialist lenders we work with.

Executives

Your time is limited, and your pay package isn’t exactly standard.

We specialise in mortgages for senior leaders with complex remuneration, from equity and bonuses to share options and multiple income streams.

We make sure lenders see the full picture, so you get the right mortgage with minimal effort.

Professionals

As a highly qualified professional, you know the value of expert advice.

We work with people across law, medicine, finance, technology and consulting to secure mortgages that reflect strong earnings potential and career progression.

Our relationship with understanding lenders, makes getting the right mortgage stress-free.

Executive & Business owner FAQs.

Can high earners borrow more for a mortgage?

Potentially yes. Some UK lenders offer higher income multiples for high earners, particularly where income is stable and affordability is strong. For senior professionals and executives, borrowing up to 5–6 times income may be possible depending on the lender and financial profile.

Can bonuses and commission be included in mortgage income?

Yes. Many UK lenders will consider bonuses, commission, and other variable income, often using an average over the last one or two years. This can significantly increase borrowing power for executives whose compensation includes performance-based pay.

Can share options or RSUs be counted as mortgage income?

Some specialist lenders will consider share-based income such as RSUs (Restricted Stock Units), stock options, or deferred compensation, particularly for executives working for large listed companies. The lender may review vesting schedules and historic payouts when assessing affordability.

Can I get a mortgage if most of my income comes from bonuses?

Yes. Many lenders will consider applications where a large proportion of income comes from bonuses, particularly in sectors such as finance, tech, and consulting. Typically, lenders will average bonus income over the last two or three years.

How much deposit is required for large mortgages?

Most lenders require 10–20% deposits, although larger loans or higher-value properties may require 15–25% deposits depending on the property value and borrowing level.

Are there specialist mortgages for high-net-worth individuals?

Yes. Some lenders and private banks offer high-net-worth or large loan mortgages, which can provide more flexible lending criteria, particularly for borrowers with significant income, assets, or complex financial structures.

Can overseas income be used for a UK mortgage?

Yes, some UK lenders will consider overseas income or internationally paid salaries, particularly for executives working for global companies. Currency risk and residency status will normally be considered during the assessment.

Do lenders consider future earnings or career progression?

Some lenders will consider future income potential, particularly for professionals such as partners in law firms, senior consultants, or executives with strong career progression.

Why should executives use a mortgage adviser?

Mortgage advisers can help identify lenders that understand complex executive pay structures, including bonuses, stock awards, and international income. This ensures you access lenders who can properly assess your financial profile and maximise your borrowing options.

Contact Moat Premier

High-earner,
short on time?

We’ll take finding a mortgage off your plate for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat Premier

High-earner,
short on time?

We’ll take finding a mortgage off your plate for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat Premier

High-earner,
short on time?

We’ll take finding a mortgage off your plate for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The right advice for free

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

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The right advice for free