A specialist approach that turns complex cases into completed mortgages.
Do you have self-employed clients with complex or non-standard income?
Did you know we offer flexible and common-sense lending for self-employed clients, contractors, CIS workers and zero-hour earners. With manual underwriting and real solutions.
- Flexible income assessments
For directors we’ll work off latest years’ accounts, using the highest of salary + dividends, or salary + share of net profit (for applicants with two years’ accounts).
- More borrowing power
Up to 90% LTV with 1 year’s accounts and 95% LTV with 2 years’ accounts, with up to 6x income for eligible borrowers.
- Zero-hours workers welcome
12 months’ income history for professional roles and 2 years’ evidence at the same employer for non-professionals.
- Flexible options for contractors, including CIS
12 months’ contractor history required, or 24 months in a similar role if they’re new to CIS.
If you’ve got clients who don’t fit the standard mould, we’d love to help. Click below for the full details and case examples.
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