If you're in sales, recruitment, insurance, business development, or other roles with a variable income, many lenders treat you like a risky bet – by reducing the usage of your variable earnings, and therefore, your borrowing power.
At Quanstrom Financial, we know the real value of your income, and we work with lenders who see it too. Let’s get you the mortgage you truly deserve.
The Mortgage Roadblock for High Earners
Most high-street banks and traditional lenders struggle with non-salaried income. Here’s how they limit your borrowing power:
- Using Only 50-80% of Your Bonus & Commission – Some lenders won’t count your full earnings, shrinking the amount you can borrow.
- Capping Your Variable Income at Your Base Salary – Imagine making £60,000+ a year, but your lender only considers your £40,000 of this? That’s a huge disadvantage!
- Inconsistent Calculations – Some lenders take a 3-month average, others use your latest P60 - leading to wildly different mortgage approvals.
How to Unlock Your True Mortgage Potential
The right lender makes all the difference. Here’s how they approach your income:
✅ 100% of Bonus & Commission Considered – Some lenders fully factor in your high earnings, massively boosting your borrowing capacity.
✅ Tailored Income Assessments – The best lenders will adapt their calculations to suit your earning patterns, whether it’s using a 3-month, 6-month, or 12-month average.
✅ Industry-Specific Expertise – We work with lenders who understand careers in car sales, recruitment, insurance, business development and other roles with high variable income, ensuring your income is valued properly.
Why Quanstrom Financial?
Unlike generic mortgage brokers, we specialise in helping high earners with variable income. Our expert team:
🔹 Matches You With Lenders Who Maximise Your Income – No more undervaluing your hard-earned commissions and bonus’
🔹 Knows the Right Lenders for Your Industry – Whether you’re in sales, recruitment, or finance, we get you in front of lenders who understand your income structure.
🔹 Gets You the Best Mortgage Rates & Terms – Don’t settle for restrictions when you could be unlocking far better deals.
Ready to Secure Your Ideal Mortgage? Let’s Make It Happen!
Stop letting outdated lending policies hold you back. At Quanstrom Financial, we fight to get you the best mortgage possible—based on your true earnings.
📞 Call us today on 01323 364 432
📧 Email us on info@quanstromfinancial.co.uk
