Mortgages for complex incomes

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Complex income mortgages

Many people are embracing a more flexible way of working by becoming sole traders, setting up limited companies and even contracting and freelancing their services, this often means that their income is unpredictable and less common than those who work a regular 9 to 5 job. but even those in 9 to 5 jobs are experiencing an increasingly complex income structure, it’s not uncommon for a payslip to be made up of allowances, commission, bonuses and overtime, which can still lead to irregular and unpredictable pay.

We understand that as long as bills are being paid, on the surface there won’t appear to be a problem. But, when it comes to finding a mortgage deal, the average High Street provider may not see your situation like we do, and can be less willing to offer their most competitive products to those with an unusual financial setup, as they do not fit their ‘one size fits all’ approach to lending.

Lenders make a lot of their decisions based on risk, which is why when someone applies earning £4,000 one month and £750 the next, they are likely to decline the case, however that doesn’t mean that those with more dynamic income streams can’t secure a mortgage, it might just require a bit of knowledge on which lenders accept different types of income.

At CLS Money, we have access to the whole of the market, which means we can source the best mortgage lenders for those with complex income structures. Some of the lesser-known lenders we can use 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, CIS contractor, work in a particularly risky role or are preparing to move to a new home, following a divorce or separation, these lenders are unlikely to be found on your local high street, but because of our constant research into the market, we are completely equipped to deal with any complex income mortgages.

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.

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