Fund Managers

Mortgages for fund managers

Although many fund managers receive large incomes, securing a mortgage is often trickier than it is for other professionals. The main reason for this is usually due to the fact that a large proportion of their earnings can come from different sources, such as;

  • Varying salary
  • Shares and bonuses (with some bonus income deferred over a number of years or paid in foreign currencies)

So, if this is a problem you have faced, you have come to right place. Actives expert knowledge of the market means we can approach lenders that understand how fund managers are paid, significantly improving your chances of acceptance.

Hassle-free mortgage advice for fund managers

Some high street mortgage lenders can view fund managers as a risk because they do not fully understand how they generate their income.

Put simply, if your monthly income fluctuates you may find it difficult to meet standard affordability calculations and secure the mortgage you need.

However, it’s not all bad news as Active are specialists in helping self-employed fund managers get accepted for a mortgage.

Request a call from one of our advisers today to find out how we can help you.

How mortgages are arranged for fund managers

Mortgages can be tricky to get your head around and figure out; what documents you need, what you need to pay, who needs to sign what, and how much money you really need to borrow. While our specialist self-employed fund manager mortgage advisers also require a lot of this information, they have expert knowledge of the mortgage market, enabling them to minimise the amount of time you spend on the phone and in meetings, as well as knowing which lenders to target for the most favourable terms for a fund manager in your position.

Maximising your chances of getting your mortgage application accepted

What you need to prepare to make your mortgage application depends on your circumstances. Your initial consultation with Active will ascertain those circumstances and what they mean for your mortgage application.

For any new mortgage application you are going to need to show proof of earnings, either as an individual or through your business accounts. Gather as much of this information as you can, particularly as a self-employed applicant as it is naturally harder to prove income when you are receiving a varied salary and bonuses.

A key area which affects all mortgage applicants is credit history. If your credit rating is not as strong or healthy as it could be, spend time doing everything you can to improve this before applying for a mortgage. This is an important indicator to mortgage providers that you are a good investment for them. The higher your credit the better rate and deal you are likely to receive.

How Active mortgage advisers can help you

Your mortgage advisers at Active are here to assist you in finding the property of your dreams and look forward to helping fund managers just like you make it happen. Arranging a consultation is quick and easy. Simply fill out our contact form and a member of the fund manager mortgage team will be in touch.

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