4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
If your income does not fit a standard payslip, specialist lenders can look at the whole picture and assess what you can truly afford to borrow.
Rated 4.97 out of 5 from 2,400+ reviews
High-street lenders can make quick decisions using narrow income criteria. If your earnings don’t fit their tick box, their systems can say no, even when you can comfortably afford to borrow.
Specialist lenders can take a different view. They look at your whole financial picture and assess what you can genuinely afford, so a strong application isn’t turned away over a tick-box rule.
Complex income covers earnings that don’t fit a standard payslip. This can include, but is not limited to, overseas earnings, investment income, retained business profits, rental portfolios, and contract or freelance work.
Our advisers specialise in applications from clients whose income falls outside conventional criteria and standard affordability calculations. Rather than relying on payslips alone, we know the specialist lenders who look at the broader picture, giving you an assessment that reflects your real financial standing, not a narrow snapshot of it.
A specialist mortgage could be suitable for you if you’re a:
…or if your income comes from commission, investments, or overseas earnings — or a combination of several sources.
If you’re asset-rich but don’t draw a conventional income, standard affordability rules can work against you, even when you could comfortably buy the property outright. The high net worth exemption is designed for exactly this situation.
Mortgage lending on a main residence is tightly regulated. Lenders must work within set income multiples and stress-test that payments stay affordable long term. However, the FCA’s Mortgage Market Review includes a high net worth waiver. This allows lenders to apply an exemption for clients with either an annual net income of at least £300,000 or net assets of at least £3,000,000, giving them far more flexibility and creativity in assessing what you can afford.
Your home or property may be repossessed if you do not keep up repayments on your mortgage
The Financial Conduct Authority does not regulate some aspects of Buy to Let mortgages
Whether your income is layered, unconventional, or multi-sourced, our expert advisors can help you navigate specialist lenders and secure a tailored mortgage that reflects your real financial standing.
We obtain the most suitable mortgage terms available to you by using our own in-house analysis tools in combination with our extensive database of lender contacts.
For clients who are income-light but asset-heavy, affordability can be evidenced in ways a standard application never could:
Income that doesn’t fit traditional payslip or fixed salary models — such as company profits, day-rate contracting, dividend income, commission-based earnings, international income, or income sourced from multiple vehicles.
Yes. Some specialist lenders will consider one year of accounts if the business is profitable, there’s industry experience, and the deposit is strong.
If fluctuations are well documented and can be explained (e.g., seasonal contracts or reinvestment), many lenders will accept them, especially with strong projections or historic performance.
Many specialist lenders accept foreign income, providing it can be evidenced and converted reliably. This is common in expat mortgage products.
Specialist lenders assess income holistically, including salaries, dividends, rental income, investment returns, and overseas or passive earnings — as long as they can be evidenced clearly.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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