Income that does not fit the form.
Accounts, day rates, dividends, more than one job. There are lenders who read the whole of it, and we know how to present it to them.
Does this sound like you?
- Self-employed, with one or two years of accounts
- A contractor paid a day rate
- A company director paid in salary and dividends
- More than one source of income
- Income that has changed in the last year or two
- Turned down because of how you are paid, not how much
What lenders look at
Lenders want to understand your income, not just total it. Depending on how you work, that means your accounts or tax calculations, your current contract and day rate, or your payslips and dividend vouchers. Some specialist lenders will consider one year of accounts; many prefer two.
Where income has changed, the reason matters. A business that is growing, a move from employment to contracting, or a year affected by something specific can all be explained, and the right lender will listen.
We gather what the lender needs before we approach them.
Three steps. Honest at every one.
Tell us what has happened
A call, or a few lines on the form. No credit check at this stage, and no judgement.
We look at the whole picture
The reason, the timing, your income and your deposit, not only the score.
We find the lender and see it through
We put your case to specialist lenders who take a human view, and guide you every step of the way.
Questions people ask about this
Can I get a mortgage with bad credit?
Yes, often. Many specialist lenders consider applications from people with bad credit, including defaults, CCJs or missed payments. They look at your whole financial situation, not only your credit score.
Can I get a mortgage if I am self-employed or have complex income?
Yes. We work with lenders who understand self-employed income, contractor day rates, dividends and more than one income stream, not only standard payslips.
Can you help if I have been declined by a bank?
Yes. This is exactly where we add value. High-street lenders often use strict criteria. We work with specialist lenders who take a more flexible, human approach to underwriting.
Tell us what has happened.
A conversation, not an application. No obligation, and no judgement.