Self-Employed? When the Bank Says No, We Say Yes.
Most lenders ignore your retained profits and future growth. We apply forensic logic to find the lenders who understand your real earnings.
Just a few of the lenders we quote
From high street giants to specialist niche lenders.
Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.
The Human Way to Borrow
No More Ghosting
Expert support through every stage. We stay by your side until you have the keys in your hand.
No More Jargon
Simple, clear advice for complex earnings. We speak your business language, not the bank's.
No More Rejection
Direct access to specialist underwriters who understand complex business structures.
Specialist Underwriting for Every Business Type
Minimal Salary, High Dividends
You draw £12,570 for tax efficiency, but lenders only see the salary. We use salary + dividends + retained profits.
Only 1 Year of Accounts
High street banks want 2-3 years. Our specialist panel accepts 12 months' trading history for many sectors.
Retained Company Profits
Money left in your business is lending power. We find lenders who include these profits in your affordability.
Mixed Income Sources
Part-time PAYE + side hustle? Multiple businesses? We consolidate all streams into one strong application.
Through our relationship with Echo Finance, enquiries can access:
Further Reading
Complex Income Mortgage Advisor: Best Options for Every Non-Standard Income Type
A complete breakdown of how specialist complex income mortgage advisors approach contractors, directors, sole traders, and multi-source earners — and which lender types fit each profile.
Ready to see what you could actually borrow?
Our Logic Check applies specialist criteria to your earnings in real-time. No initial credit check. No obligation.