The challenges were many in this case study.
First of all, to settle the property, dual income was required to establish sufficient borrowing capacity. The female applicant (wife) was added to the application.
The next major hurdle related to the treatment of the male applicant as a self-employed expat. Instead of salary payslips, he received income by issuing invoices under his company to his employer. In expat scenarios, there are limited lenders that can consider PAYG salary employed expats but no prime lenders that can consider self-employed expats
To add this this hurdle, we found out that the multi-national firm had officers not only in UK, but also in Singapore and Hong Kong. Although the male applicant has worked for the same company for 3 years, he issued invoices to different offices. Therefore his evidence of income was across multiple countries and bank accounts.
This was all confirmed by his employment contract and bank statements.