Complex Income – Straightforward Advice
- Self Employed
We’ll find you a lender who sees the full picture, not just a salary slip - Complex Income
Dividends, freelance work, rental income, we know how to make it all count towards your mortgage. - Company Directors
We work with lenders who understand that your dividends matter too. - Commercial Buy To Let
Building your portfolio through a limited company? We’ll find the right structure and the right lender.
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Hear from our customers
Top Service
★★★★★
Sam was really helpful and supportive through the process of applying for our mortgage. We had no idea where to start but Sam made everything effortless.
Sarah M.
Verified
Great Outcome
★★★★★
Our bank told us that we couldn’t get a mortgage with them as I’m self employed and take a small salary + dividend. They didn’t have a mortgage product for us but Sam hooked us up in no time. So grateful, would definitely recommend.
James T.
Verified
My Favourite Mortgage Advisor
★★★★★
We were looking to start investing in property and saved a deposit for a buy to let. We weren’t sure how to proceed without affecting our current position but Sam explained everything and was on hand every step of the way
Michelle R.
Verified
Understanding the Mortgage Market
Navigating the mortgage market is complex enough without having to factor in complex issues such as director’s salaries, income from dividends, self-employed income etc. If you would benefit from some friendly, impartial advice from a mortgage specialist who understands the complexities of the market, get in touch today or book a call to find out which mortgage products suit your needs.
Specialist Mortgages for Buyers with Complex Requirements
Self employed mortgages
High street lenders often struggle to assess self-employed income fairly, particularly if your earnings vary year to year. We work with specialist lenders who look beyond a standard payslip and assess your true affordability based on your actual financial position.
Complex Income Mortgages
If your income comes from multiple sources, freelance work, dividends, rental income, or a combination, standard lenders can undervalue what you earn. We know how to present complex income structures clearly, and which lenders are best placed to consider them.
Company Director Mortgages
Directors who take a modest salary and draw the majority of their income as dividends are often penalised by lenders. We work with lenders who assess both salary and dividends, giving you access to increased borrowing.
Company Buy To Let
Purchasing investment property through a limited company has become an increasingly popular strategy for landlords managing tax efficiency. We can help you navigate the specialist lenders and criteria involved in company buy-to-let lending, whether you’re starting out or expanding an existing portfolio.
noli
mortgages
Call: 01164 4376 228
email: info@nolimortgages.co.uk
Expertise Where it Matters
Income Fluctuation
Variable or seasonal income can look unpredictable to a standard lender. We know how to present your affordability in the best possible light.
Complex Income
Income from multiple sources like dividends, freelance work, rental income etc can be hard to communicate clearly. We look at the complete picture.
Income Verification
We’ll help you gather and present the right documentation to satisfy lender requirements, whatever your income looks like on paper.
Which Mortgage is Right For Me?
Free, Impartial, Whole of Market Mortgage Advice
Getting a mortgage with complex income isn’t impossible, it just requires the right broker. We specialise in cases that high-street lenders struggle with, and we have access to specialist lenders who understand how you really earn your income.