Complex Income Mortgages

A complex income mortgage is for borrowers whose income does not fit a simple payslip: the self-employed, company directors, contractors, and people paid in bonuses, commission, dividends or multiple currencies. Soul Mortgages works with lenders who understand these structures and assess your true, sustainable income rather than turning you away for not fitting a standard template.

We recognise that some clients have more complex requirements for their mortgage needs. At Soul Mortgages, we can provide the advice you need, including tailored solutions to individual cases to ensure you access the complex financing you need for your projects or developments.

Any income type
Assessed fairly
1 year+
Accounts considered
Whole of market
Lenders & private banks
What we arrange
✓Self-employed & company directors
✓Contractors & freelancers
✓Bonus, commission & dividend income
✓Multi-currency & foreign income
✓Retained profit & carried interest
✓Newly self-employed (one year)
Assessed by the wrong lender, a perfectly affordable case can look marginal on paper. We place complex income with lenders who read it properly and assess your true, sustainable earnings.
“Your income supports the borrowing; the trick is finding the lender who sees it.”

Discuss your complex income mortgage →

Your home may be repossessed if you do not keep up repayments on your mortgage.

Complex Income Mortgages: Your Questions Answered

Straight answers for the self-employed, company directors, contractors and anyone with non-standard income.

Can I get a mortgage if I'm self-employed with one year of accounts?
Some lenders will consider one year of accounts or trading, though many prefer two or three. What's available depends on your figures, industry and deposit. A specialist broker knows which lenders accept shorter track records, so a single year does not automatically rule you out.
How do lenders treat bonus, commission and dividend income?
It varies by lender. Some count a percentage of bonus or commission, some average two years, and company directors may be assessed on salary plus dividends or on retained profit. Because the treatment differs so much, matching you to a lender who reads your income favourably makes a real difference.
Can contractors get a mortgage on day rate?
Often yes. A number of lenders assess contractors on an annualised day rate rather than company accounts, which can produce a higher figure. Eligibility depends on your contract history and gaps between contracts. This is a well-trodden route with the right lender.
Is my home at risk?
Yes. Your home may be repossessed if you do not keep up repayments on your mortgage. Complex income lending is about fitting your circumstances to the right lender, but the mortgage is still secured on your home.