HIGH INCOME &LARGE MORTGAGE ADVICE
Specialist support for professionals with complex income and larger borrowing needs.
Tailored Mortgage Guidance for Senior Professionals & Business Leaders
When your income doesn’t fit a simple box: multiple revenue streams, bonuses, dividends, retained profits, RSUs, or irregular compensation, you need advice that reflects the way you actually earn.
We help executives, business owners and high‑earning professionals secure larger, more flexible mortgages with lenders who understand complex income structures. Quietly, efficiently, and without any unnecessary fuss.
Mortgages for Larger Loan Sizes
High‑value mortgages are assessed differently. Lenders look beyond basic salary and consider:
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Bonuses (annual, quarterly or performance‑based)
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Dividends
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Retained profits (for directors)
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RSUs, share options and equity packages
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Multiple income streams
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Partnership drawings
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Contract or consultancy income
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International income (case‑by‑case)
We present your full financial picture clearly, so lenders understand your true affordability.
Discreet, Specialist Support
Many of our clients prefer a low‑key, private approach. We offer:
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Confidential conversations
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No‑pressure guidance
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Flexible appointment times
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A single point of contact
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Clear communication without jargon
You get the expertise you need, without feeling “sold to”.
What We Help With
Large Mortgages (£750k–£2m+)
We work with lenders who specialise in higher loan amounts and bespoke underwriting
Complex Income Cases
Including directors, partners, consultants, contractors and multi‑income households.
Refinancing High‑Value Properties
For better rates, releasing equity, or restructuring borrowing.
New Purchases & Portfolio Growth
Whether it’s a main residence, second home or investment property.
WHAT PEOPLE SAY
Amo G
We have worked with Daniel for a number of years now.
He is extremely knowledgeable and professional.
He is honest, approachable and really guides you through the process.
He goes above and beyond to get you the best rates he has available.
You always feel like you are speaking with a friend who wants the absolute best for you.
We have enjoyed working with Daniel over the years and will continue to do so.
He is brilliant.
Claudio
Klizia is our angel and is making our first buy experience almost pleasurable.
She is organised, clear, precise and has incredible expertise not only in terms of mortgages, but of the entire process, having worked in several sides of the real estate industry.
She painted us a neat picture of the entire journey, empowered us to take informed decision, reduced our stress to the minimum and is constantly going above and beyond
Bashkim
Our mortgage advisor, Sean gave us a positive experience and was very supportive throughout the whole process. He made us feel at ease in such a stressful time by explaining everything clearly and thoroughly in a way we could better understand. We would recommend him to anyone
How Lenders Assess High Income Borrowing
Every lender has its own approach. Some will:
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Use 100% of bonuses
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Consider retained profits
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Accept multiple income sources
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Use higher income multiples for strong profiles
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Offer private or specialist lending routes
Our role is to match you with the lender who sees your income in the most favourable light.
Get Your Personalised Mortgage Advice
If your income includes bonuses, dividends, retained profits or multiple streams, we can help you understand your borrowing options. Complete the form below and we’ll review everything and provide clear next steps.
WHY CHOOSE WELL FINANCIAL
We understand complex income
You don’t need to explain how your compensation works - we already get it.
Quiet, efficient service
No noise or pressure. Just clear, discreet support.
Whole‑of‑market access
We’re not tied to one lender. We find the one that fits you.
Strong relationships with specialist lenders
Including those who offer bespoke underwriting for larger loans
Meet the Team
At Well Financial, you’re never just a number or a case file. You’re supported by real people who care deeply about getting things right for you. Our team brings together years of experience across mortgages and insurance, but what truly sets them apart is their patience, clarity and genuine commitment to helping clients feel confident and supported at every step.
Chris Harland
Senior Protection Consultant -
Expert at Private Medical Insurance & Business Protection
Sean Londors
Mortgage and Protection Consultant - Specialises in First-time Buyers, Home Ownership & Low Deposit Schemes
Josh Spooner
Mortgage and Protection Consultant
Dan Dawes
Senior Mortgage Consultant - Specialises in Re-Mortgages, Portfolio Landlords and Complex Income Structures
Klizia Nicolosi
Mortgage and Protection Consultant - Buildings and Contents Protection, First time Landlords and Adverse Credit Expert
Jake Williams
Mortgage and Protection Consultant, Trusted Expert in mortgages for Home-movers, Limited Company Directors and Contractors
James Cockle
Protection Consultant - Personal Protection Specialist
Frequently asked questions
Our Tree‑Planting Commitment
At Well Financial, we believe every mortgage should create a positive impact - not just for our clients, but for the world around us. That’s why we plant 10 trees for every completed mortgage, in partnership with our environmental partner, Furthr. It’s our way of giving back, supporting reforestation projects across the globe, and helping build a greener future for the communities we serve