Buying a property
Weatherbys considers your full financial picture – including bonuses, assets and profit shares
Weatherbys Private Bank provides individually assessed mortgages for private banking clients – considering the full picture of your finances, including bonuses, profit shares, investment assets and overseas income, without relying on automated credit scoring or fixed salary multiples and with repayment terms shaped around your personal circumstances rather than a standard 25-year structure.
How Weatherbys' mortgage assessment works
No automated credit scoring: Every application is individually reviewed by a private banker rather than being assessed through an automated decision-making process. Credit reference information may form part of the assessment.
Bonus and profit share income considered: Some mainstream lenders place restrictions on bonus income within affordability calculations. Weatherbys will consider including bonuses, profit shares, carried interest and other variable income as part of the assessment.
Assets and investments considered: Weatherbys can lend against investment portfolios, land, guarantees and other assets – particularly useful for clients whose wealth is held in assets rather than income.
No upper age limit: Weatherbys considers mortgage applicants of all ages. There is no maximum age at application or end of term.
Flexible repayment terms: Rather than a standard 25-year term, Weatherbys shapes the repayment structure around your personal circumstances and cash flow. For example, we can structure your repayments to coincide with your bonus payments, taking larger amounts off the mortgage at certain times rather than asking for equal instalments every month.
Overseas income considered: For non-resident and international clients, Weatherbys can factor in overseas salary, foreign currency income, and international assets as part of its assessment.
Direct liaison with your professional team: Weatherbys works directly with your solicitors and surveyors throughout the purchase process.
Property purchases
Primary residence: For clients purchasing a main home with income that includes bonuses, profit shares, or other variable elements that standard lenders exclude, Weatherbys assesses the full earnings picture to provide a mortgage that reflects actual affordability.
Holiday and second properties: Weatherbys lends against holiday homes and second properties in the UK.
Buy-to-let and investment property: Weatherbys considers buy-to-let mortgages for private banking clients, which are individually assessed without automated scoring.
Non-resident and international buyers: For UK nationals living overseas, US citizens, or other non-residents purchasing UK property, Weatherbys can include international income and overseas assets in its assessment – and can open a banking relationship before a client has re-established UK residency.
How the mortgage process works
Start a conversation: Contact your private banker or enquire directly. Weatherbys will discuss your purchase plans, income structure and the property you are buying before any formal application.
Individual assessment: Your private banker reviews your full financial picture – income, assets, bonuses, existing liabilities – without automated credit scoring. No two assessments are the same.
Terms and offer: Weatherbys provides a personalised mortgage offer including repayment structure, term and any security requirements – shaped around your circumstances rather than a standardised product.
Completion: Weatherbys liaises directly with your solicitors and surveyors throughout the transaction to support a smooth completion.
What you need to know
Your home may be at risk if you don’t keep up repayments on the mortgage or loan secured against it.
FAQs
Yes. Weatherbys considers bonus income, profit shares, carried interest and other variable income as part of its mortgage assessment.
No. Lending decisions are not made through an automated credit scoring process. Each application is individually assessed by a private banker alongside relevant credit reference and underwriting information.
Yes. Weatherbys can consider investment portfolios, land, and guarantees as security for lending. This is particularly useful for clients whose wealth is held in assets rather than earned as regular income.
No. Weatherbys considers mortgage applicants of all ages and there is no upper age limit at application or at the end of the mortgage term. Lending is subject to individual assessment and standard underwriting criteria.