Complex Income Mortgages
Getting a mortgage when you’re self-employed doesn’t need to be stressful. Whether you run your own business, contract, or direct a company, we understand your income and can help find the right deal for you.
Our friendly team specialise in self-employed mortgages – guiding you through lender criteria and accounts, so you can move forward with confidence.
Getting a mortgage with complex income doesn’t have to be stressful
- Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
- You may have to pay an early repayment charge to your existing lender if you remortgage
Mortgages that make sense when your income’s more complex
If your income doesn’t fit neatly into a payslip, getting a mortgage can seem confusing. Whether you earn through dividends, bonuses, freelance work, multiple jobs, or contract income – we’ll connect you with lenders who understand irregular income and assess your case on its real merits.
We’ll review your income history, accounts, and overall financial picture to show what’s possible, explain which lenders are most flexible, and guide you through every stage – so you can secure a mortgage that truly reflects how you earn.
Things to Prepare Before You Apply
Documents and details that help your complex income mortgage go smoothly
Proof of Income
Gather recent payslips, SA302s, tax year overviews, or company accounts showing all your income sources – including dividends, bonuses, freelance payments or rental income. We’ll review these with you to ensure your case is presented clearly to lenders.
Income Pattern & Trading Record
Lenders want to see stability and sustainability. Whether your earnings come from contracts, multiple roles, or a limited company, we’ll explain which lenders are most flexible and how to evidence your true income picture.
Personal Finances & Credit Profile
Keep your latest bank statements, credit report and any outstanding finance details ready. We’ll help you understand what lenders look for and offer tips to strengthen your application if needed.
Finding the Right Lender for Complex Income
Not all lenders assess income in the same way. Some are comfortable with dividends and bonuses, while others specialise in freelance, contract, or multi-source earnings. We’ll compare a wide range of lenders to find those best suited to your income structure and what’s realistically achievable based on your full financial profile.
Our team manages everything from start to finish – reviewing your accounts, matching your income type to lender criteria, and handling the full application on your behalf. We’ll make sure your case is presented clearly, giving you the best chance of approval and a mortgage that fits how you really earn.
Mortgages for Company Directors
If you’re a company director, your income can look more complex than it really is – especially if you draw a low salary and higher dividends, or keep profits within the business.
Some lenders only consider your personal income on paper, while others will take a broader view and include retained profits or your full share of company earnings.
We work with lenders who understand how directors pay themselves and can help you secure a mortgage that reflects your true financial position, not just your payslips or tax return.
Your Next Steps
We’ll guide you from first chat to getting your complex income mortgage approved – here’s what to expect along the way.
1
Talk to an Adviser
We’ll start with a friendly conversation about your goals and income setup – whether you earn through dividends, contracts, bonuses, or multiple roles. We’ll outline how much you could borrow and explain what documents lenders will need.
2
Compare Lenders & Rates
We’ll search the market for the most suitable complex income options, explain how each lender assesses non-standard income, and recommend the deal that best fits your budget and long-term plans.
3
Apply & Get Approved
We’ll handle the paperwork, liaise with your chosen lender, and keep you informed throughout – aiming for a smooth, stress-free approval from start to finish.
We compare thousands of mortgage deals from leading UK lenders to find the one that’s right for you.
Check out our reviews
Why Choose Us for Your Complex Income Mortgage?
Clear, Straightforward Advice
You’ll always get honest, simple answers. We’ll explain exactly how each lender views complex income – from dividends and bonuses to freelance or contract work – so you understand every option before making a decision.
Support for Every Income Type
Whether you’re a company director, contractor, freelancer, or juggling multiple income streams, we’ll help you find lenders who understand your situation and assess your earnings fairly.
Regular Updates & Guidance
We’ll keep you informed at every stage – from reviewing your documents to progress with lenders – so you’ll always know what’s happening and what to expect next.
Access to 1,000s of Mortgages
As independent advisers, we can explore thousands of complex income mortgage products – including specialist lenders not found on the high street – to match you with the most suitable deal.
Book Your No-Obligation Consultation
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Telephone advice
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Self employed mortgages can seem confusing – here are the most common questions we’re asked, explained in plain English.