If you need a Complex Income Mortgage, we’ve got you covered
Many of our clients have income that doesn’t fit standard lender criteria. This can include company directors paid through dividends, workers earning overtime or shift allowances, employees with bonuses or commission, or households relying on multiple income sources, including benefits. Changes to working patterns in recent years have also made income structures more complex for many people.
Having a complex income does not mean you cannot get a mortgage but it does mean the right lender and approach matter. Different lenders assess income in different ways, and not all income types are treated equally. Some lenders may accept certain income sources, while others may only use part of them when calculating affordability.
We can find a mortgage that suits your situation
At Expert Financial, we specialise in helping clients with non-standard or complex income secure suitable mortgages. We understand how lenders assess different income types and use up-to-date lender criteria knowledge to match your circumstances with the right options. This removes guesswork and avoids unnecessary declines.
As a whole-of-market mortgage adviser, we are not tied to any single lender. This allows us to provide impartial advice and consider a wide range of lenders and products, even where income is more complicated than usual. Our experienced advisers will review your circumstances carefully and guide you through your options, explaining everything clearly along the way.
If your income isn’t straightforward, speak to us to see how we can help you find a mortgage that works for your situation.
