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Complex Income Solutions

Non-Standard Income? We Specialise in It

Self-employed, contractor, multi-currency, or foreign income — we work with lenders who understand your situation and approve mortgages others won't.

Speak to a specialist broker
£1M+
Large loan specialists
Multi
Currency income
Day 1
Contractor solutions

Non-Standard Income Expertise

High street lenders often struggle with complex income situations. Whether you're self-employed, work as a contractor, earn commission, or have multiple income sources, we know which lenders to approach and how to present your case for the best results.

Our team has extensive experience with complex income mortgages and maintains relationships with specialist lenders who understand non-traditional employment structures.

Self-employed mortgage specialists
Contractor & freelancer solutions
Multiple income stream assessment
Commission-based income mortgages
Foreign income consideration
Adverse credit case expertise

Who We Help

Self-Employed

Business owners, sole traders, and partnerships. We understand how to assess accounts and maximize borrowing potential.

Contractors & Freelancers

Day rate, contract-based, or umbrella company workers. Access lenders who understand your income structure.

Complex Cases

Multiple income streams, foreign income, commission-based, or challenging credit history? We can help.

At a glance

The essentials

Self-employed, contractors, directors, HNW
For
Dividends, retained profit, bonus, RSUs
Income types
£1m+ via specialist & private banks
Large loans
Manual, case-by-case
Underwriting

Common Questions

Often yes. Some lenders accept one year's accounts or an SA302, and we know which lenders take this view and how to present your case for the best outcome.
Self-employment, dividends and retained profit, contract or day-rate work, bonus and commission, RSUs, and multi-currency or foreign income.
Yes. We place large and high-net-worth cases with specialist lenders and private banks, including lending assessed against complex or illiquid assets.
Not necessarily. A specialist broker can route your case to a lender suited to your circumstances — careful placement is often the difference between a decline and an approval.

Been Turned Down Elsewhere?

Our complex income specialists have helped hundreds of clients secure mortgages when others couldn't.

Speak to a specialist broker