Mortgages for complex income structures

Securing a mortgage with a complex income structure, while challenging, is not impossible. Whether you're self-employed, have multiple income streams, or rely on bonuses or commissions, we can help.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Make contact with our mortgage advisers to secure a complex income mortgage.
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Complex case mortgage solutions

Navigating complicated income challenges

Borrowers that have complex income structures are our bread and butter. Whether you are self-employed, a health professional, an IT contractor, paid in foreign currency, Construction Industry Scheme or even on a zero hour contract, the list is endless but we have seen it all before. Our mortgage advisers are experts in lender criteria and with access to over 90 lenders and 1000’s of different products, will be able to find you a lender that will offer you favourable terms.

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    Expert guidance

    Our advisers have extensive experience in dealing with complex income structures. They can provide expert guidance and advice tailored to your unique financial situation, helping you navigate the mortgage process with ease.

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    Access to diverse lenders

    We work with a wide range of over 90 lenders, all of whom have differing and nuanced criteria, and many who specialise in complex income structures. This gives you access to a huge variety of mortgage options that can cater to your specific needs.

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    Simplifying the process

    Mortgages can be complex, especially for those with non-traditional income structures. Our advisers simplify the process, handling the paperwork and liaising with lenders on your behalf.

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    Personalised approach

    Every financial situation is unique, especially with complex income structures. Our advisers take time to understand your circumstances, offering a personalised service that aligns with your goals and property aspirations. We're not just securing a mortgage; we're building a financial strategy that works for you.

Specialists in complex incomes

With extensive experience and strong lender relationships, we excel in securing optimal mortgages for complex income structures.

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Expertise-led assistance

Bespoke support at every step

We understand that securing a mortgage when you have a complex income can seem daunting. That’s why our expert advisers, backed by a brilliant Case Management team, are dedicated to making your mortgage journey relaxed, enjoyable and stress-free. Our slick process ensures that your unique financial situation is understood and catered to, providing you with a wide range of mortgage solutions. We handle the intricacies of documentation and lender communication, allowing you to get on with your busy life. With us, you’re not just getting a mortgage - you’re getting a tailored financial strategy designed for success. 



How does having a complex income structure affect my mortgage interest rate?


Your income structure doesn’t directly affect your mortgage interest rate. However, the more complex your income, the number of lenders that will accept you reduce which may mean that the number of deals available is less. Working with an experienced mortgage brokerage, like James Leighton, will ensure that the highest quality research is carried out and the maximum number of lenders are made available to you.


Can I get a joint mortgage if my partner and I have complex incomes?


Yes, you can apply for a joint mortgage even if both you and your partner have complex incomes. Lenders will consider the total income from all applicants when assessing your mortgage application. However, you may need to provide additional documentation to verify your incomes.


How can a mortgage broker help me?


A mortgage broker will carefully assess your income and, based on their experience and knowledge, identify the lenders who will offer you the best value mortgage. A broker will also communicate directly with underwriters and relationship managers at the lenders to make sure that the application runs smoothly.


of complex income mortgage applications end with an approval*.

This shows that complex income doesn’t have to stop you from getting a mortgage.

Even 90% of self-employed workers and 70% of freelancers have been approved by lenders.


Leanne Miller-Severn - Mortgage Adviser

“We aim to guide clients and empower them to make changes, resulting in them securing a better financial future."

Inspired by her 15 years experience as a financial qualifier, Leanne decided to take a step up to become a mortgage adviser. She is responsible for guiding clients and ensuring their mortgage needs are met and will always go the extra mile for her clients.

Leanne Miller-Severn

What our customers say

So on the ball, gave regular updates, easy to get hold of. All staff very friendly and helpful, thank you. Would recommend.

E Kennish