CORONAVIRUS UPDATE: Got a question about an on-going application or need some advice? All our team are able to work from home with full access to our systems and can be contacted via phone (01268 931611), email and video call, so please get in touch and we’ll gladly assist you!

Mortgages for complex incomes

Helping you get the right deal for your needs


Over 1,000 reviews. Rated "Excellent"

Complex income mortgages

Many people are embracing a more flexible way of working by starting their own business or setting up as a contractor or freelancer, which often means that their income is more sporadic or unpredictable, than those who work a regular 9 to 5 job.

As long as bills are being paid, this isn’t a problem in itself. But, when it comes to finding a mortgage deal, the average High Street provider may not be willing to offer their most competitive products to those with a more unusual financial setup, as they do not fit their ‘one size fits all’ approach to lending. But, that doesn’t mean that those with more dynamic income streams can’t secure a mortgage.

At CLS Money, we have access to the whole of market, which means we can source the best mortgage lenders for those with especially complex income structures. These companies are much more willing to accept company dividends, rental yields, bonuses, commission and investment interest as viable income, and will not penalise you for drawing on cash from multiple sources. They may also consider you for a mortgage if you are an agency worker, work in a particularly risky role or are preparing to move to a new home, following a divorce or separation.

To discuss your complex mortgage requirements and discover how we can help you secure the right product at the right price, regardless of your income structure, speak to one of our brokers today.

Quickly see how likely you are to be ACCEPTED FOR A MORTGAGE before you apply

Can I get a mortgage?

6 reasons to choose CLS Money

Mortgages that suit you

Mortgages that suit you

No matter your circumstances, we are here to get the right mortgage for you.

Appointments at your convenience

Appointments at your convenience

We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

Free of charge, no obligation advice

Free of charge, no obligation advice

Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

At your side

At your side

We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

With you all the way

With you all the way

As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

Protecting what matters most

Protecting what matters most

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

How Is Mortgage Affordability Assessed? | CLS Money

Your Mortgage

The CLS portal: your mortgage, your way

Stay up to date on the progress of your application via your own portal

  • Securely upload and submit your documents
  • Instant access to your personal, 5 star rated mortgage broker
  • Track the progress of your application anytime, anywhere
  • Access on a PC, tablet or smart phone
Get Started

Why over 1,000 customers consistently rate us "Excellent"

Receive a personalised FREE mortgage quote

Get started

Did we mention we're award winners?

Speak to a member of the team now

Ready to discuss your mortgage options?

Contact us

< Gemma May Senior Mortgage Advisor

Why Us?

  • Expert advice
  • All credit considered
  • Free quotes
  • No obligation
Get started
Contact us today

Free mortgage advice

Access to 120+ lenders

5-star rated service

Phone 01268 931611