Two Earners. One Complex. The Bank Only Sees Half the Picture.
When one partner is PAYE and the other is self-employed, high street banks default to the lowest common denominator. We don't.
Mixed Income Shouldn't Mean Reduced Borrowing
You're a household that earns well. But the system treats mixed income like a problem to solve, not a reality to accommodate.
The 'Weakest Link' Problem
One of you earns £55k PAYE. The other nets £45k self-employed. But the bank takes the lowest self-employed year — maybe £28k — and drags the whole application down.
Different Income Types, Different Rules
PAYE is simple. Self-employed isn't. When a bank tries to process both in one application, the self-employed income gets squeezed through criteria designed for someone else.
1 Year of Accounts = Automatic Decline
Your partner started their business 14 months ago. It's thriving. But most banks want 2-3 years of accounts — even when the PAYE partner has 10 years of stable employment.
Rental Income Ignored
You own a buy-to-let together. That's real income. But many lenders won't count it in a residential mortgage affordability assessment.
Teacher + Consultant. Combined Income Used. £412k Mortgage Secured.
Sarah earns £42,000 as a secondary school teacher. Her partner James runs a marketing consultancy — 18 months trading, net profit £48,000 in his first full year. Barclays would only use James's SA302 showing £32,000 (his first partial year) and offered them £280,000 jointly.
We found a specialist lender who used James's latest full year at £48,000 alongside Sarah's £42,000 PAYE. Combined assessment: £90,000. At 4.58×, they were approved for £412,000 — enough for a 3-bed semi in Hertfordshire.
How It Works
Three steps. Both incomes respected.
Send us both income profiles
PAYE payslips, self-employed accounts, rental income — everything. We model the full picture, not just the easy half.
We model both scenarios
Joint application with both incomes vs. sole application with just the PAYE partner. We recommend whichever gets you more.
Matched to the right lender
We know which lenders combine PAYE + self-employed fairly — and which penalise it. You go to the right one, first time.
Why Couples Choose Us
FCA Regulated
Authorised and regulated by the Financial Conduct Authority. Both applicants are protected.
90+ Specialist Lenders
We know exactly which lenders handle mixed-income joint applications — and which ones don't.
No Upfront Fees
We don't charge until your mortgage completes. No risk to either of you.
Frequently Asked Questions
Answers for couples with mixed employed and self-employed income.
Your Household Income Tells the Real Story
Don't let one partner's income type hold you both back. Let's find a lender who sees the whole picture.