We can support a wide range of client types. Whether they’re a newly qualified doctor taking their first steps in the medical profession or a sole trading electrician with years of experience under their belt, our common-sense, manual underwriting provides the flexibility to consider every income type on its own merits, helping provide handcrafted solutions.
Multi-source income
We consider 100% of secondary income in many scenarios.
We accept multi-source income from employment, self-employment or a combination of both.
Entrepreneurs
We accept earnings from professional landlords as a full time income source.
Properties bought for cash and renovated to increase their value can be considered for remortgaging within six months of ownership providing this can be fully evidenced.
Self-employed
We accept applications with a minimum of 1 years’ accounts.
We can work on a projection for year two based on an uplift of up to 30% of the first year’s figures.
High net worth income
For your high net worth clients we have options available with no maximum loan amount.
Complex income sources such as sportspersons, musicians and actors are understood and considered.
Newly qualified professionals
We can consider lending up to £1m at up to 100% market share value on our shared ownership products.