Private & Bespoke
Complex income cases
Mortgage placement for business owners, directors, dividend income, retained earnings, and income that does not fit a standard payslip.
A mortgage that reads your real income. If you own a business, draw dividends, or live off retained earnings, a standard affordability check understates what you actually earn. We build the case from company accounts, dividend history and trade-licence income so lenders see the full earning power, not just basic salary.
What lenders look at. For self-employed and director files, banks weigh two years of audited or management accounts, the stability of dividends, retained profit, and the health of the underlying business. We assemble and reconcile these documents up front so the assessment lands on the right number and the file doesn’t stall in underwriting.
Matching the file to the right bank. Lenders treat complex income very differently — some average two years, some take the latest, some lend against retained profit. We place the file with the banks whose policy fits your accounts, and check eligibility before you apply.