We get mortgages for people with
Complex Income.
The bank said no because of your tax efficiency. We use your Retained Profits and Day Rate to say yes.
The Logic Check
Not a rate calculator. A feasibility assessment. Discover whether your income structure passes lender criteria before you waste time on applications destined for rejection.
Our Specialist Service Areas
Retained Profit Mortgages
Most lenders see your tax return. We see your retained profits, director's loans, and growth trajectory. That's the difference between rejection and approval.
Day Rate Mortgages
Day rate × working days = real income. We connect you with lenders who understand contract work, not those stuck on "employed" or "self-employed" checkboxes.
Company Director Mortgages
Low salary, high dividends? We know the lenders who assess net profit plus salary — not just what you choose to draw. Your accounts tell a story. We make lenders listen.
When Others Said No
Real outcomes for complex income applicants. Every case below was initially declined elsewhere.
“Three banks had declined me. Hayden looked at my company accounts differently — retained profits plus salary — and found a lender within 48 hours. Keys in hand within six weeks.”
“As a freelance consultant, I'd almost given up on owning property. Complex Income Mortgages understood my income structure when no one else did. Exceptional service.”
“My accountant structures my income tax-efficiently, which meant high street lenders saw minimal salary. Hayden found lenders who assess actual company profit. Game changer.”
Independently verified reviews
Transparent Pricing
Choose the service level that matches your complexity. We believe in value, not hidden fees.
Standard Residential & Buy-to-Let
Fast, efficient, digital-first service for straightforward applications.
Returning clients: £449 Loyalty Rate
- PAYE Employees
- Standard Remortgages
- Product Transfers
- Whole of Market Search
- Digital Document Upload & Remote Handling
- Best for speed and simplicity
Specialist & Complex Income
Forensic case packaging and manual underwriting for non-standard applicants.
Capped at Min £999 - Max £1,999
- Ltd Co Directors
- IT Contractors
- Ex-Pats / Foreign Income
- Adverse Credit
- Manual Underwriting: We build a bespoke business case for the lender.
- Forensic Income Analysis: Retained profits, 1-year accounts, foreign income.
- Priority Access: Includes Face-to-Face Consultation (if desired) and dedicated case ownership.
- No Win / No Fee commitment.
Just a few of the lenders we quote
From high street giants to specialist niche lenders.
As an Appointed Representative of Echo Finance, we have direct access to over 100 lenders across the UK market, ensuring you get specialist advice and the most competitive rates available for your specific income structure.
What Our Clients Say
Sarah Johnson
"Complex Income Mortgages helped me secure a mortgage with a much lower interest rate than my bank offered. The process was smooth and their logic-based approach was invaluable."
James Wilson
"As a contractor, I was completely lost until I found Complex Income Mortgages. They understood my day-rate income and found me an amazing deal when others said no."
Emma Thompson
"I saved over £300 a month by remortgaging through Complex Income Mortgages. Their calculator was spot on and the broker was extremely knowledgeable."
Specialist Rates.
For Complex Cases.
We specialise in complex and portfolio landlords. These are rates from lenders who understand your situation.
Specialist Access
Direct access to underwriters at specialist lenders who don't appear on comparison sites.
* Rates are indicative and subject to status. Your actual rate may vary based on credit history and income complexity.
A structured process designed for complex cases. No guesswork.
Just logical, methodical progress to approval.
Complete the Logic Check
Answer a few questions about your income structure. This isn't a rate calculator — it's a feasibility assessment.
The Forensic Verification
An expert adviser will contact you to verify the nuances of your income. We need to validate your data before we argue your case to underwriters.
The Strategy Report
Once verified, we present a tailored mortgage strategy. We show you exactly which lenders will accept your income structure and what rates are achievable.
Application to Keys
If you choose to proceed, we handle the entire application process, chasing solicitors and managing the paperwork until completion.
Ready to discover what's actually possible?
Start Your Logic CheckFrequently Asked Questions
Logical answers to your complex lending questions.
Your Advocate in the Underwriting Room
Hayden Richards is a Senior Broker who specializes in one thing: arguing your case to lenders who don't understand your income.
Most brokers are generalists. They fill in forms and wait for a computer to say yes. Hayden is the person who reads your accounts like a forensic accountant, understands your tax efficiency, and speaks directly to the underwriters who make the final decision.
When the bank says no because of your "tax efficiency", Hayden uses your Retained Profits and Day Rate to say yes.
“You don't need a generalist broker. You need a specialist who speaks the language of Complex Income.”