The client approached Sirius with a 12 week completion deadline for the purchase of a £1.85 new home for which they were seeking a mortgage of minimum £1m. Their complex and varied income stream meant an absence of three years of accounts leading them to be turned away from the highstreet banks. The clients income also came in larger sums intermittently thus the preference was for an income only mortgage. Sirius was able to source a private bank with more scope to take a flexible view. Sirius utilised one year of accounts and a second year of proposed income from the client's accountant to successfully secure a product providing 65% LTV with a loan of £1.2m, exceeding the borrowers expectations.