Complex Mortgages
Do you have complex income and are you unsure how to go about getting a mortgage?
The team at Mortgage Required are experienced in arranging mortgages for clients with complicated income streams, having access to not only the high street and specialist lenders but also private banks for any high-value loans or bespoke lending.
What is a complex income mortgage?
A complex income mortgage could mean any of the following:
- You have multiple sources of income or wealth
- You are self-employed and/or run your own business
- You are IR35 or CIS registered
- You are a contractor
- You are a doctor or medical specialist
- Receive investment income from stocks or shares or rental income from property
- You need a mortgage in excess of £1 million
- You are paid in a foreign currency
The more complex your situation, the more likely you would benefit from advice, which is where Mortgage Required come in! We will assess your individual circumstances and support you in finding a mortgage that is tailored to your needs.
Help to Buy: latest blog articles
What to ask your Estate Agent as a first-time buyer
Yesterday
Buying your first home is a huge milestone, but it can also be a complex process. There are several factors a first-time buyer should consider before making an offer on a property, including understanding the difference between leasehold and freehold and checking council tax bands.
We’ve detailed some questions you can ask your estate agent to help you make an informed decision.
Santander launches 98 percent LTV mortgage for first-time buyers
5 Feb 2026
‘My First Mortgage’ from major high-street lender Santander is specifically for those wanting to buy their first property. It allows first-time buyers to purchase 98% of the property’s value. However, certain criteria must be met to be eligible.
Rent costs increased more than mortgage costs since 2022
12 Aug 2025
There has been a rise in both rent and mortgage costs over the last three years, with renters seeing a greater increase in their monthly payments than those with a mortgaged property.
Trusted by
