Helping borrowers overcome income complexity

We understand that income doesn’t always fit into a neat box.

Many people now earn in diverse ways, whether through second jobs, side businesses, freelance roles or a blend of different income types.

Our mortgage solutions are designed with this in mind, so clients with non-standard or irregular income can secure a mortgage that truly reflects how they earn.

Who is it for?

Our Complex Income mortgage solutions can support a wide range of clients, including: 

  • Self-employed professionals such as freelancers, consultants, and contractors
  • Borrowers with multiple income streams from different sources.
  • Business owners with complex earnings, including dividends or profit-based income, or irregular payment schedules. 

Our Key Criteria

Multiple income streams accepted

Multiple income streams can be considered per applicant, helping reflect real earning patterns.

Second job income accepted

We accept second jobs, making it easier for applicants to boost their affordability and get on the property ladder.

View accepted income types

Dividends and business profits considered

Dividends and shares of net profits from business earnings can be taken into account.

Self employed with 1 year of accounts considered

We consider self-employed applicants with just one year of accounts, offering greater flexibility for newer businesses.

Income booster available

Our income booster solution is available for complex scenarios, allowing additional applicant’s income to support affordability, including non‑family members, with up to four incomes considered.

Foreign income accepted

We don’t apply a haircut to foreign income, accepting 100% of earnings in most currencies.

Complex Income Case Studies

Find out how we’ve supported clients with real-life case studies.

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In this case, we helped two family members secure a mortgage of £605,000 using a Joint Borrower Sole Proprietor arrangement.

See the full story

Securing a JBSP Mortgage Approval for High-LTV Complex Case

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In this case, we helped a first time landlord enter the buy-to-let market.

See the full story

Helping a First-Time Landlord Enter the Buy-to-Let Market

View all case studies

Useful Links

Contact your BDM

Our Key Account Managers and Telephone Business Development Managers are help to help you find solutions to your complex cases. 

Contact your local representative to discuss a case. 

Find your BDM

We're here to help

Still looking for answers?

We’re here to help you get the support you need and connect you with the right people. Click the button below to find our contact details and reach out to our friendly intermediary team.

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