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
Types of complex mortgages
- Self-employed mortgages
- Contractor mortgages
- Limited company mortgages
- High-value mortgages
- Multiple-income mortgages
- Retained profits
- Adverse credit
- Recent credit issues
- Mortgage after a declined application
The more complex your situation, the more likely you would benefit from advice, which is where Mortgage Required comes 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
New first-time buyer scheme announced by Burnham
17 days ago
Saturday 26th September, Andy Burnham announced a new equity loan scheme called “Your First Home”. The scheme, which will be confirmed at next month’s budget, is aimed at first-time buyers looking to purchase a new-build property from a developer signed up to the scheme.
What to ask your Estate Agent as a first-time buyer
19 Jun 2026
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.
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