Mortgages for Complex Income
Not all income fits neatly into a payslip, and lenders who expect it to often miss the bigger picture.
Mortgages for Complex Income
Not all income fits neatly into a payslip — and lenders who expect it to often miss the bigger picture.
We provide specialist advice for high net worth clients whose earnings are anything but straightforward. Whether you’re self-employed, running multiple businesses, or drawing income from investments, we arrange complex income mortgages tailored to your financial reality — not someone else’s checklist.
Income doesn’t have to be ‘standard’ to be secure
High earners often face more friction when applying for a mortgage — not because they can’t afford it, but because traditional lenders don’t know how to assess what they’re looking at.
That’s where we come in.
We specialise in arranging:
Self-employed high net worth mortgages
Lending for business owners, directors and partners
Cases with fluctuating or non-UK income
Director / investment income lending
Mortgages for clients paid via dividends, bonuses or trusts
Whatever your structure, we know how to present your income clearly, credibly and in a way lenders will work with — even if that means taking it off the high street and behind closed doors.
Private advice, not a paper trail
This is a confidential service designed for individuals who don’t want to waste time educating a junior broker on how their finances work.
You’ll deal directly with a senior adviser who understands your world — from company accounts and SPVs to retained profits and cross-border assets. We’ll guide you through the process with clarity, strategy and complete discretion.
Lenders who understand complexity
We have strong relationships with private banks and specialist lenders who are comfortable with bespoke income. That includes lenders who will:
Take a long-term view on earnings and liquidity
Look beyond SA302s and standard tax returns
Assess global wealth, not just local payslips
Build in flexibility for future income changes
If you’re being boxed in by outdated criteria, we’ll help you break out of it — and find a solution that works for your lifestyle and long-term plans.
Why work with us?
Expert support for complex income mortgage applications
No judgment, no confusion — just clear advice
Direct access to high net worth lending experts
Full discretion throughout
Trusted by entrepreneurs, directors and private clients across the UK and beyond
Let’s simplify the complex
If your income doesn’t fit the norm, don’t let that stop you getting the mortgage you need. We’ll build a strategy that reflects your actual financial strength — not just what’s on paper.