Complex Mortgages

A standard application form does not always tell the whole story. If your income, employment, credit history or property needs more explanation, we can review the details and discuss lenders whose criteria may be relevant. An individual assessment is essential; we can’t guarantee an outcome.

Self-employed and company directors

Lenders may assess trading history, accounts, tax documents, salary and dividends in different ways. We can help identify the evidence needed and discuss how your income may be assessed. The lender makes the final affordability decision.

Several sources of income

Second jobs, overtime, bonuses and commission may count differently depending on their history, consistency and the lender. We look at the available evidence rather than assume every lender will use the same figure.

Changes in circumstances

A recent move between jobs, a career break or a change in business income can affect lender choice and timing. We can discuss your situation and what documentation may help explain it accurately.

Credit history and property questions

Missed payments or an unusual property do not have one universal lending outcome. Timing, severity, explanation and the property’s characteristics can all affect the options. Tell us about any concerns early so we can assess the case honestly.

How we approach a complex case

We gather a clear account of your circumstances, review the supporting documents and discuss realistic options before an application. We will explain limitations and costs, and will not promise approval that only a lender can give.

Tell us your story

Arrange a confidential initial conversation in Accrington or online from anywhere in the UK.

Discuss My Circumstances

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.