Accepted Income: Bonus, commission, retained profits, dividends, foreign currency Client Type: Self-employed, directors, consultants, contractors, HNW Loan Size: £150,000 – £10,000,000+ LTV: Up to 90% (case dependent)
Designed for clients whose income doesn’t fit traditional lender criteria. We specialise in packaging complex income cases for underwriters to ensure stronger affordability and faster approval.
Complex income requires precise packaging. We work closely with lenders who understand non-standard income, allowing us to secure lending where high-street banks typically decline.
We support:
Self-employed with <1–2 years’ accounts
Contractors (daily rate calculations)
Directors using dividends, salary, or retained profits
Large annual bonuses & commission-led income
Multi-currency or foreign earnings
Multiple income sources / property portfolios
With full lender modelling, bespoke affordability calculations, and expert case presentation, we secure outcomes others cannot.
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