Maximise income

The borrowers

Trevor and Pam are both 48 and married with three adult childrenThey would like to maximise their income including bonuses for home improvements and to capital raise for the deposit on their first buy to let. Trevor has a satisfied CCJ on his credit record from three years ago.  

  • They would like to extend and upgrade their current house ready for retirement and be left with enough to purchase a BTL property. Seeking £300k against £450k value
  • Trevor earns £50k basic plus a 10% bonus. Pam is a care worker earning £21k salary plus £6k bank work 

How we can help

Because we are able to use 100% of regular bonuses, we are able to maximise Trevor’s income. For borrowers with an income structure like Pam’s, we can use 50% of bank income when it’s supplementary to main income and 100% of bank income if it is the only source. We have an exceptionally wide range of income types that we can accept; you can search through them on our acceptable residential income guide here. 

We love to talk a case through, why not call your Foundation Regional Area Manager today?  

What would you like to do next?

More example borrower case studies

Credit blips

Nikki's credit history may not meet mainstream criteria but we can help

Read more >

Recently self-employed

How our bespoke approach to each case can help your self-employed customers

Read more >


Rajesh, Deepa, and son Rakesh, are looking to buy together after one has returned to work from furlough

Read more >
Request a call back

We have recently changed our panel to ULS - please click here to check your solicitor is on our panel.