Self-employed & complex income mortgages.
Sole traders, limited company directors, contractors, dividends, retained profits, bonuses. Where a high-street lender says no because the numbers do not fit their tickbox, we know which specialist lender will say yes.
The lender for your income structure.
High-street lenders use standard affordability calculations that often penalise self-employed people, contractors and anyone whose income comes from multiple sources. We work with specialist lenders that will consider retained profits, day rates, dividends, and bonuses on their real economic value — not just what fits a tickbox.
- Sole traders (1 year of accounts+) — Some lenders require three years of accounts, others will lend on one. We know the difference.
- Limited company directors — Lenders that use salary + dividends, and those that use share of net profit.
- Day-rate contractors — Assessed on your day rate x 5 x 46 weeks, not payslip income.
- Bonuses, commission, second income — Lenders that count 100% of variable pay rather than 50%.
- Retained profits in the company — Specialist lenders that recognise profit left in the business as available income.
Three steps. One person. No jargon.
The same process for every self-employed & complex income mortgages enquiry, whether it is your first mortgage or your fifth.
Twenty minute call
Anth learns your situation before looking at products. Income, plans, what has already been said elsewhere. No pressure, no forms up front.
Whole of market search
We look across every mainstream and specialist lender, then sit down and explain the trade-offs plainly. You choose. We recommend.
Paperwork end to end
We handle the application, the valuation, the underwriter questions. You get the keys, and we stay in touch for the next remortgage.
What you will pay.
For mortgage advice we charge a fee of between £457 and £997, payable on completion. The exact figure depends on the complexity of your case and is agreed with you in writing before we start any work.
For most straightforward residential mortgages our commission from the lender alone covers our work and there is no fee to you at all. Where a case is more involved (buy-to-let portfolios, adverse credit, unusual income) the fee applies.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Questions we get about self-employed & complex income mortgages.
01How much can I borrow as self-employed?+
Typically 4.5x to 5x your income, but the definition of "income" varies hugely between lenders. On the same set of numbers, one lender might offer you £180,000 and another £280,000 — it depends how they treat your income structure.
02How many years of accounts do I need?+
The high street usually wants two or three. Several specialist lenders will consider one year of accounts, and a small number will consider a first-year projection with a signed contract. We know who will look at what.
03I am a limited company director. What income do lenders count?+
Some use salary + dividends only. Others will accept your share of net profit before dividends, which is often much higher. If you leave profit in the company for tax reasons, this can double the amount you can borrow.
04I contract through my own company. Can I get a mortgage?+
Yes. Specialist contractor lenders assess you on day rate x 5 days x 46 weeks (allowing for holiday), rather than what you pay yourself as salary. Contractors often qualify for much larger mortgages than they expect.
Where clients typically go next.
Life happens.
Let’s take care of it together.
Book a call directly with Anthony. Evenings and weekends available. No forms up front, no pressure.