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Complex Income Mortgages - Director & Bonus Income Specialists

Variable earnings accepted - commission, dividend, and bonus income. Expert advice for complex income mortgage applications

Key Benefits

Bonus and commission income accepted

Director and dividend income specialists

Variable earnings calculations

Complex pay structure experts

Large loan amounts available

Mortgage Solutions for Successful Business Owners

Standard mortgage applications often struggle with complex income structures. Our specialists understand how to present variable earnings, bonus payments, and director income to secure the best possible mortgage terms.

Company Directors (using salary, dividends, or retained profits)

Self-Employed Professionals & Sole Traders (with fluctuating income)

High Earners with Large Bonuses or Commissions

Company Directors (using salary, dividends, or retained profits)

Self-Employed Professionals & Sole Traders (with fluctuating income)

High Earners with Large Bonuses or Commissions

Contractors (Day Rate or Fixed Term)

Individuals with Multiple Income Streams

Clients with Income from Investments, Trusts, or Pensions

Contractors (Day Rate or Fixed Term)

Individuals with Multiple Income Streams

Clients with Income from Investments, Trusts, or Pensions

UK Residents Earning in Foreign Currencies

Portfolio Landlords & Property Investors

Applicants Requiring Large Mortgage Loans (£1M+)

UK Residents Earning in Foreign Currencies

Portfolio Landlords & Property Investors

Applicants Requiring Large Mortgage Loans (£1M+)

Your Strategic Partner for Complex &

High-Value Mortgages

Director Income

Salary plus dividends and benefits

Deep Expertise in Complex Income

We specialise in structuring mortgages around diverse income sources. We know how to present your case effectively, considering retained profits, assets under management, and future income projections where appropriate.

Discreet, Professional & Efficient Service

We provide a highly confidential and personalised service, managing the entire process with minimal disruption to your busy schedule. We handle the complexities, liaise with all parties, and ensure a smooth path to completion.

Deep Expertise in Complex Income

We specialise in structuring mortgages around diverse income sources. We know how to present your case effectively, considering retained profits, assets under management, and future income projections where appropriate.

Discreet, Professional & Efficient Service

We provide a highly confidential and personalised service, managing the entire process with minimal disruption to your busy schedule. We handle the complexities, liaise with all parties, and ensure a smooth path to completion.

Bespoke Solutions for Significant Borrowing

We go beyond standard calculators. We work to secure the substantial loan amounts required for high-value properties, structured intelligently to suit your financial circumstances (including interest-only options where viable).

Discreet, Professional & Efficient Service

We provide a highly confidential and personalised service, managing the entire process with minimal disruption to your busy schedule. We handle the complexities, liaise with all parties, and ensure a smooth path to completion.

Bespoke Solutions for Significant Borrowing

We go beyond standard calculators. We work to secure the substantial loan amounts required for high-value properties, structured intelligently to suit your financial circumstances (including interest-only options where viable).

Access to Specialist & Private Lenders

Leverage our established relationships with private banks and specialist lenders who understand and welcome complex financial profiles. Unlock bespoke terms and higher lending potential often unavailable directly.

Bespoke Solutions for Significant Borrowing

We go beyond standard calculators. We work to secure the substantial loan amounts required for high-value properties, structured intelligently to suit your financial circumstances (including interest-only options where viable).

Access to Specialist & Private Lenders

Leverage our established relationships with private banks and specialist lenders who understand and welcome complex financial profiles. Unlock bespoke terms and higher lending potential often unavailable directly.

Deep Expertise in Complex Income

We specialise in structuring mortgages around diverse income sources. We know how to present your case effectively, considering retained profits, assets under management, and future income projections where appropriate.

Self-Employed Mortgage Expertise:

Large Loan Amounts: £1M to £M+ for established businesses.
Business Structure Understanding: Limited companies, partnerships, sole traders.
Profit Optimisation: Maximise borrowing from business profits.
Asset-Based Lending: Use business assets to support applications.
Multiple Business Income: Combine income from various business interests.
International Business: UK and overseas business income accepted.

Business Types We Finance:

Established limited companies (2+ years trading).
Professional service businesses.
Property development companies.
Technology and software businesses.
Manufacturing and distribution.
Retail and hospitality businesses.

Self-Employed Mortgage Products:

Profit Multiple Mortgages: Borrow -x net profit.
Asset-Based Mortgages: Use business assets as security.
Bank Statement Mortgages: Income verification via bank statements.
Accountant Reference Mortgages: Professional income confirmation.
Portfolio Landlord Mortgages: Multiple property investments.
Commercial to Residential: Mixed-use property finance.

Documentation We Accept:

SA tax calculations and tax year overviews.
Certified accounts from qualified accountants.
Management accounts for current year trading.
Bank statements showing business income.
Accountant references and income confirmations.
Business asset valuations and statements

Lender Relationships:

Specialist self-employed lenders.
Private banks with business banking.
Building societies with flexible criteria.
Asset-based lending specialists.
International banks for global businesses.

A Tailored Approach for Discerning Clients

Confidential Discovery

A detailed, confidential consultation to fully understand your financial landscape, property objectives, and specific borrowing requirements.

Strategic Lender Identification

Leveraging our market intelligence, we identify the private banks or specialist lenders best positioned to accommodate your unique profile and needs.

Expert Application Packaging

We meticulously compile and professionally present your financial information, anticipating underwriter queries and showcasing your strengths for optimal consideration.

Secure the Mortgage Your Success Deserves

Don't let mortgage complexity impede your property plans. Partner with WellFinancial's specialists to access the right lenders and secure the optimal finance solution for your high-value property purchase or remortgage. Schedule your confidential, no-obligation consultation today to explore your options.

Complex Income Specialists

Director Mortgage Experts

Variable Earnings Accepted

Bonus Income Calculations

95% Success Rate

Well Financial Limited is an Appointed Representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 14517142.Registered Address : Unit 15E Field House, Lancaster Way, Business Park Airfield, Earls Colne, Colchester CO6 2NS Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.