Self-Employed, Contractor and Complex-Income Mortgages

Self-Employed, Contractor and Complex-Income Mortgages

Many lenders have strict criteria for self-employed clients. We specialise in helping applicants with non-standard income.

We can support:

• Sole traders

• LLP partners

• Directors of limited companies

• Contractors (IT, construction, medical, etc.)

• CIS workers

• Applicants with fluctuating income 

We work closely with lenders who understand complex income structures and can consider retained profits and dividends.

How Our Mortgage Advice Process Works

Step 1: Initial Consultation

Understanding your goals, income, credit status and affordability.

Step 4: Application Submission

We manage the full process including valuation and underwriting.

Step 2: Whole-of-Market Research

We compare lenders and mortgage products.

Step 5: Mortgage Offer

We liaise with the lender, solicitor and estate agent to ensure smooth completion.

Step 3: Mortgage Illustration (ESIS)

Providing clear documentation outlining rates, fees and terms.

Important FCA Information

• Your home may be repossessed if you do not keep up repayments on your mortgage.

• Some buy-to-let mortgages are not regulated by the FCA.

About Us

We work closely with leading UK lenders and insurers to find the best deals available — saving you time, money, and unnecessary stress.

Company

Home

Mortgage Services

Protection Services

Contact

01895806515 / 02037500056

ruchi@advancefinancial.co.uk

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