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MAXIMISE YOUR BORROWING

Your Income Is Complex.
Our Logic Is Simple.

Standard lenders see "risk" in bonuses, commission, and multiple income streams. We see affordability. We find lenders who use 100% of your complex earnings.

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No Win, No Fee
Fee: 1.99% (max £1,999)
2 Minute Check

What Is a Complex Income Mortgage?

A complex income mortgage is a home loan designed for borrowers whose earnings don't fit the standard "PAYE salary" model. If your income comes from bonuses, commission, company dividends, contractor day rates, or multiple sources, you have complex income.

The challenge is that most High Street lenders use automated systems that can't accurately assess these income types. They apply blanket discounts—sometimes ignoring 50% or more of what you actually earn. Specialist lenders, on the other hand, use manual underwriting to evaluate your true affordability.

At Complex Income Mortgages, we act as the bridge between you and those specialist lenders. Our job is to present your income in a way that passes their criteria—not fight an algorithm.

Our Specialist Services

We focus on three core income structures that require expert knowledge.

Retained Profit Mortgages

For business owners who reinvest profits. We use your company accounts, not just your SA302.

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Day Rate Mortgages

For IT contractors and consultants. We annualise your day rate to prove affordability.

Learn More

Director Mortgages

For Ltd company directors. We combine salary + dividends + share of net profit.

Learn More

Income We Accept (That Others Don't)

If it appears on your bank statement, we can usually find a lender to use it.

100% of Bonus/Commission

Most banks cap this at 50%. We access lenders who use the full amount.

RSUs & Stock Options

Vested stock can be treated as income by specialist private banks.

Foreign Currency

Paid in USD or EUR? We know lenders who don't apply harsh 'haircuts' to FX.

Investment Income

Dividends and rental profit can be added to your personal income.

Second Jobs / Side Hustles

We can use income from multiple probationary roles or zero-hour contracts.

Trust Income

Regular distributions from family trusts can be accepted as primary income.

The "Standard" Way

  • × Ignores 50% of your bonus
  • × Rejects probation periods
  • × Confused by foreign currency
  • × "Computer Says No"

The Complex Income Way

  • ✓ Uses 100% of sustainable income
  • ✓ Manual underwriting by humans
  • ✓ Multi-currency experts
  • ✓ "Logic Says Yes"
Already Been Declined?

A "No" From HSBC Isn't a "No" From Everyone

If a High Street bank turned you down, it doesn't mean you can't get a mortgage. It means their algorithm couldn't underwrite your income. Specialist lenders use human underwriters who can see what the computer missed.

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Frequently Asked Questions

What counts as 'complex income' for a mortgage?
Complex income includes any earnings that fall outside a standard PAYE salary. This typically includes bonuses, commission, overtime, dividends, retained company profits, contractor day rates, rental income, foreign currency earnings, and investment returns.
Can I get a mortgage with bonus income?
Yes. While High Street banks often only use 50% of your bonus, specialist lenders can use 100% of sustainable bonus income. We match you with lenders who understand variable pay structures.
How do lenders assess complex income?
Specialist lenders use manual underwriting rather than automated 'computer says no' systems. They look at your bank statements, tax returns, and company accounts to build a complete picture of your affordability.
Do I need to be out of probation to get a mortgage?
Not necessarily. Some lenders will consider applicants still in their probation period, especially if you have a strong employment history or are in a high-demand profession.

Prove Your Affordability

Don't guess what you can borrow. Let our eligibility audit assess your complex income against 50+ specialist lender criteria.

With lender criteria tightening and rates still volatile, now is the time to lock in your borrowing power.

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