Guides Written for Complex Borrowers
If your income doesn't arrive in a neat PAYE payslip, these guides exist for you. Real criteria, real numbers, written by mortgage specialists — not content algorithms.
CIS ContractorsCIS Contractor Mortgages
Why your SA302 undersells you, which lenders understand CIS income, and how to get the mortgage your gross contract rate actually supports.
IR35IR35 Contractor Mortgages
Inside or outside IR35, umbrella or limited company — how each status changes the income lenders will recognise, and which lenders assess the gross contract rate.
DirectorsDirector Retained Profit Mortgages
Which lenders count net profit left in the company, how they evidence it, and how a modest salary-plus-dividends director can borrow on the full business picture.
Foreign NationalsForeign National Mortgages
Visa types, minimum time in the UK, deposit requirements and the lenders that underwrite applicants without a full UK credit history.
LandlordsPortfolio Landlord Mortgages
Four or more mortgaged buy-to-lets: how lenders stress the whole portfolio, what a business plan needs to show, and using rental profit to support a residential purchase.
Zero HoursZero Hours Contract Mortgages
Averaging periods, minimum employment history and the shortlist of lenders that treat zero-hours income as real income rather than a decline reason.
Broker SelectionChoosing a Contractor & Self-Employed Mortgage Broker
What "specialist" means in practice, tied advisers versus independent brokers, what to ask before instructing one, and how to compare firms in this space.
ContractorsContractor Mortgages: Day Rate Assessment
How specialist lenders annualise your day rate — and why a £500/day contractor could borrow £380,000 more than a high street bank would offer.
Business OwnersBusiness Owner Mortgages
Using retained profits to boost affordability. How limited company directors can access the full picture of their company's earnings.
Foreign IncomeOverseas & Foreign Currency Income
No haircut assessment for foreign currency earnings. How private banks and specialist lenders remove the blanket currency penalty that costs expats thousands.
Mixed IncomeDual Income Households
When one partner is PAYE and the other is self-employed, high street banks penalise the weaker income. Here's how specialist lenders assess both correctly.
Complex IncomeThe Complete Complex Income Mortgage Guide
The full picture: every income type, every lender approach, every income multiple. The definitive reference for anyone whose earnings don't fit a standard payslip.
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