Specialist mortgage advice without the fees
At Limitless we’ve helped many employees from companies such as Amazon, Google, Facebook (and many other tech companies) secure their mortgage, either to buy a new home, raise further capital, or simply switch to a more competitive rate.
The most common issue our clients face when approaching a bank directly is getting them to accept either bonus or RSU income.
Being a whole of market, independent mortgage specialist, we work with lenders that have the most favourable policies for bonuses and RSU income typically received by employees.
After a 20 minute call with one of our advisers you can expect:
Limitless are the RSU and bonus income experts, and we understand the in’s and out’s of how you're paid – and help you maximise your borrowing potential.
We let our service speak for itself, building our reputation organically. Here are just a few case studies of the people we’ve helped recently, you can also look us up on TrustPilot
- Max Hayden, Founder & Chief Executive
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Our client had been living in London for 7 years paying significant rent each month. When he approached his bank he was disappointed after being told he couldn’t afford the property he’d been looking at. This was because the bank would only accept his basic salary and ignored his bonus and RSU income.
He was referred to us via one of his colleagues, and was surprised to learn that there were several options open to him. After factoring in his annual bonus and RSU income, we discussed his circumstances with a number of high street bank underwriters who were happy to accept it. He was able to borrow twice the amount his own bank had offered. What’s more, his mortgage payments were considerably less than the rent he was paying.
After his application was submitted, he received a formal offer within 2 weeks, and moved into his first home shortly after.
After the first COVID-19 lockdown, an existing client of ours was informed she would likely be working remotely for the foreseeable future.
Having 2 young children made home working especially difficult. She approached us looking for an additional £80,000 to convert their garage into a home office.
Having an existing mortgage in place that was due to renew in a year, she was faced with considerable early repayment charges, and her lender was unwilling to provide additional borrowing.
After speaking with us, we were able to secure the additional funds through what is known as a second charge mortgage via one of our packaging partners.
The application process was straightforward and the funds were released into her account a couple of days after she received her formal offer.
Having a portfolio of 11 properties, our client was very experienced in the mortgage process. He’d been using a broker for years that charged him £495 per transaction, which ended up becoming a significant cost as he remortgaged every 2 years.
After finding Limitless online, we were able to refinance all 11 of his properties, freeing up cash to invest further. The client struggled to believe we would do this for him and charge no broker fees. All brokers in the UK are paid by the lender on completion, but most choose to charge additional fees (this is usually to cover marketing and admin costs). We don’t believe these fees are fair, and will never charge our clients.
Our client owned multiple properties and was paying exceptionally high interest rates via a private bank. He though private banking was his only option because of a misconception that a) high street banks wouldn’t accept his RSU income, and b) he wouldn’t be able to get high street rates for mortgages over £1m
Using a combination of his sign on bonus and RSU income, we helped him refinance all 3 of his properties and reduced the interest he was paying by over 2%, which made a big impact to his monthly outgoings.
Limitless Financial Services Ltd, trading as “Limitless” or “Limitless Finance” is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
Limitless Financial Services Ltd is registered in England and Wales with company number 11679467. Registered Office: IncuHive, IBM Hursley, Hursley Park Road, Hursley, Winchester SO21 2JN
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Calculations from this site are approximate and clients should seek advice from Limitless Financial Services Ltd in order to obtain an accurate illustration.
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