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Amazon has teamed up with SPF Private Clients, an award winning mortgage
brokerage with offices across the UK. They have teams of brokers that are able
to arrange finance for all types of client circumstances, property types and
uses.

You will receive advice from a specialist team at SPF, who have worked alongside
UK lenders at all levels to create products that work with Amazon’s pay
structure, taking into account overtime, variable pay and RSU income. By doing
this, they are able to offer a bespoke service and give you peace of mind and
confidence that you are getting the best product for your individual
circumstances.

Amazon employees will not be charged an SPF Private Clients mortgage arrangement
fee upon completion of the mortgage. This arrangement fee is typically up to 1
per cent of the loan amount.

Arrange a time to speak to an expert now

Speak with an Adviser


LEVEL 1-3


LEVEL 1-3

Click here to review some of the frequently asked questions we receive about
Amazon Staff Banded Level 1-3.


OVERTIME / VARIABLE INCOME


INCOME STRETCHING


VISAS


5% DEPOSITS AND HELP TO BUY


GUIDING YOU THROUGH THE PROPERTY TRANSACTION

OVERTIME/VARIABLE INCOME

Given your ability to work beyond your contracted hours, it’s only fair that
this income can be used towards affordability for your mortgage application. SPF
Private Clients are able to use up to 100% of your variable income with support
of recent pay slips and/or a P60 to help support higher lending on your
mortgage.


Speak with an Adviser

INCOME STRETCHING

With rising house prices, it’s important that you understand your true budget
prior to searching to ensure that you can afford the property that’s right for
you. SPF Private Clients works with lenders who have the ability to stretch
mortgage lending beyond the standard 4.5x income multiple, with criteria via a
number of banks extending to 5.5x and beyond.


Speak with an Adviser

VISAS

SPF Private Clients understands that the UK attracts individuals from all
corners of the world, with a large number of our clients arriving in the UK on
working VISAs. Whether you have only recently arrived in the UK or have been
here a number of years, we have access to banks that will cater towards your
working VISA to support your mortgage borrowing.


Speak with an Adviser

5% DEPOSITS AND HELP TO BUY

SPF Private Clients have access to a range of purchase schemes, including Help
to Buy and the government backed 5% deposit scheme. This will allow you the
opportunity to purchase both new and pre-owned properties prior to saving a
bigger deposit, which will help you get on the property ladder quicker.


Speak with an Adviser

GUIDING YOU THROUGH THE PROPERTY TRANSACTION

With demand for property at its highest level in years, it’s crucial that you
start the mortgage application process as soon as possible. SPF Private Clients
can act quickly and will guide you through the whole transaction from start to
completion.


Speak with an Adviser



LEVEL 4+


LEVEL 4+

Click here to review some of the frequently asked questions we receive about
Amazon Staff Banded Level 4+.


RSU INCOME


INCOME STRETCHING


VISAS


SIGN ON BONUSES


GUIDING YOU THROUGH THE PROPERTY TRANSACTION

RSU INCOME

SPF Private Clients have agreed exclusive criteria with a number of leading
banks to allow RSU income to be included within affordability assessments for
mortgage lending. This has allowed a number of Amazon employees to extend their
mortgage borrowing beyond previously advised levels to help them achieve their
dream home on the most competitive terms.


Speak with an Adviser

INCOME STRETCHING

With rising house prices, it’s important that you understand your true budget
prior to searching to ensure that you can afford the property that’s right for
you. SPF Private Clients works with lenders who have the ability to stretch
mortgage lending beyond the standard 4.5x income multiple, with criteria via a
number of banks extending to 5.5x and beyond.


Speak with an Adviser

VISAS

SPF Private Clients understands that the UK attracts individuals from all
corners of the world, with a large number of our clients arriving in the UK on
working VISAs. Whether you have only recently arrived in the UK or have been
here a number of years, we have access to banks that will cater towards your
working VISA to support your mortgage borrowing.


Speak with an Adviser

SIGN ON BONUSES

At SPF Private Clients, we understand that sign on bonuses are a crucial part of
your income whilst you wait for your RSUs to vest. Although sign on bonuses are
not widely accepted for mortgage applications, our relationships with the banks
has allowed Amazon employees to use this income to support their overall lending
on a case-by-case basis.


Speak with an Adviser

GUIDING YOU THROUGH THE PROPERTY TRANSACTION

With demand for property at its highest level in years, it’s crucial that you
start the mortgage application process as soon as possible. SPF Private Clients
can act quickly and will guide you through the whole transaction from start to
completion.


Speak with an Adviser


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

SPF Private Clients Limited is authorised and regulated by the Financial Conduct
Authority (FCA). The FCA does not regulate some forms of buy-to-let, overseas
and commercial mortgages.