High income multiple mortgages
Find your perfect mortgage
Whole-of-market advice from a qualified broker — we search every lender to find your best deal.
Posted on Google![]()
Ella HislopTrustindex verifies that the original source of the review is Google.
John was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.Posted on Google![]()
Melissa ElstonTrustindex verifies that the original source of the review is Google.
John provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.Posted on Google![]()
Matt PourzandTrustindex verifies that the original source of the review is Google.
John was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!Posted on Google![]()
Simon Hedger GraceTrustindex verifies that the original source of the review is Google.
John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommendedPosted on Google![]()
Chloe StringerTrustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!Posted on Google![]()
Jordan NichollsTrustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!Posted on Google![]()
Kath TonkynTrustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.Posted on Google![]()
Louise HolmesTrustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.Posted on Google![]()
ChristinaTrustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!Posted on Google![]()
Kyle McCloreyTrustindex verifies that the original source of the review is Google.
As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
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independent
Whole-of-market access.
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1000+
mortgages arranged
for happy clients
High income multiple mortgages
If you’re a high earner, finding a mortgage reflective of your full financial potential can be hard. The standard income multiples just don’t consider your particular circumstances, which is why high income multiple mortgages are designed to help professionals like you borrow more responsibly and confidently.
At Everest Mortgages, we specialise in arranging tailored solutions for clients with higher-than-average earnings to ensure that you access lenders that truly understand your financial profile.
today
Find out how much you could borrow in minutes. No credit check, no commitment — just clear, honest mortgage advice.
What are high income multiple mortgages?
Most lenders grant loans based on 4 to 4.5 times your annual income. However, for those with strong financial profiles, some specialist lenders can extend this to 5.5 or even 6 times your income, depending on factors such as your job stability, existing debt, and credit history.
Our team works closely with these lenders to help you get a mortgage that suits your income and future plans.
Who can take advantage of these mortgages?
High-income multiple mortgages are ideal for professionals like doctors, solicitors, accountants, IT professionals, and senior executives. Lenders recognize the stability of your career and possible future income growth, which may qualify you for enhanced borrowing terms.
Even if your income is commission or bonus-based, we can help you present your case effectively to maximise affordability.
We search 1000's of mortgage deals across a large number of lenders, including...
How Everest Mortgages can help
We compare a wide range of lenders, both mainstream and specialist, to find one that matches your income structure and long-term financial goals. Our brokers manage the whole process, from an affordability check to paperwork, keeping everything simple and transparent for you.
Why Choose Everest mortgages?
- Access to specialist lenders, including those offering 5.5–6x income multiples
- Customised guidance: Tailored for professionals with intricate compensation.
- Whole-of-market access: More choice, better deals, and flexible criteria.
- Experienced brokers: Expert guidance from start to finish.
Read our reviews
Posted on Google![]()
Ella HislopTrustindex verifies that the original source of the review is Google.
John was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.Posted on Google![]()
Melissa ElstonTrustindex verifies that the original source of the review is Google.
John provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.Posted on Google![]()
Matt PourzandTrustindex verifies that the original source of the review is Google.
John was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!Posted on Google![]()
Simon Hedger GraceTrustindex verifies that the original source of the review is Google.
John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommendedPosted on Google![]()
Chloe StringerTrustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!Posted on Google![]()
Jordan NichollsTrustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!Posted on Google![]()
Kath TonkynTrustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.Posted on Google![]()
Louise HolmesTrustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.Posted on Google![]()
ChristinaTrustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!Posted on Google![]()
Kyle McCloreyTrustindex verifies that the original source of the review is Google.
As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
Speak to a specialist broker today
At Everest Mortgages, we help high earners achieve more with their income.
Get in touch with our team today to discuss high income multiple mortgages and to determine how much you could borrow with expert, tailored advice.
Why choose Everest Mortgages?
Independent, whole-of-market advice from advisers who put you first — every time.
Advisers you can trust
We're totally impartial and focused on finding the perfect mortgage to suit you — not the lender.
We search the market for the best deals
We work with all lenders, big and small, to give you exclusive access to a comprehensive range of mortgage rates.
We work to your schedule
We're flexible to fit around you — evenings, weekends, whatever works best for your life.
We take away the hassle
We deal with lenders on your behalf, so everything from paperwork to negotiation is completely stress-free.
We're supportive and friendly
Our highly experienced advisers make the entire buying process painless by taking all the work off your hands.
Book a free consultation with a mortgage expert
John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
- 15-minute call, no commitment
- Whole-of-market, FCA regulated
- Clarity and confidence in your next move
Find out how much you can borrow
Use our free calculator to get an instant estimate based on your income — no credit check, no commitment.
How much can I borrow?
Your results
Director note: Limited company directors can use dividends or shares on net profits to obtain their affordability.
Enter your details for an accurate range.
Estimated borrowing
Need the maximum loan possible?
Specialist lenders may go higher.
Free consultation
Posted on Google![]()
Ella HislopTrustindex verifies that the original source of the review is Google.
John was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.Posted on Google![]()
Melissa ElstonTrustindex verifies that the original source of the review is Google.
John provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.Posted on Google![]()
Matt PourzandTrustindex verifies that the original source of the review is Google.
John was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!Posted on Google![]()
Simon Hedger GraceTrustindex verifies that the original source of the review is Google.
John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommendedPosted on Google![]()
Chloe StringerTrustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!Posted on Google![]()
Jordan NichollsTrustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!Posted on Google![]()
Kath TonkynTrustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.Posted on Google![]()
Louise HolmesTrustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.Posted on Google![]()
ChristinaTrustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!Posted on Google![]()
Kyle McCloreyTrustindex verifies that the original source of the review is Google.
As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
Ready to find your perfect mortgage?
Get in touch today and one of our qualified advisors will be in touch to guide you through your options.