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Multiple sources of income

Employed income / Rental income / Self-employed income

I have multiple sources of income and no lender can make sense of it!

The challenge

An existing client was looking to purchase a new residential property for between £1.1m and £1.2m.

In order to obtain the desired funds, we needed a lender who could utilise the income from a wide range of sources including, employed income, background buy to let income and also self-employed income.

Given how lenders view self-employed income differently and taking into account the client’s accounts, we needed a lender to work off their net profits as opposed to salary and dividends.

The applicant also had significant monthly school fees impacting affordability.

The solution

We sourced a high street lender who was able to take all of the above into account and lend the applicant c.4.5x income despite the large monthly outgoings.

This level of funding allowed them to move into their forever family home.

After thought

Even if your financial circumstances are complex, we have a range of lenders who can take a pragmatic view to get the borrowing you need!

Other case studies

Case study

Part-built self-build / No warranty / Down valuation.


Case study

Multi-unit freehold block / 6 of 6 flats / Above commercial


Case study

Low dividends / High net profit / School fees.


David was absolutely amazing, from helping us find the right mortgage, to advising us, to being on hand for silly questions we had. Nothing was too much trouble for him. I will absolutely be recommending him to our friends.

Frederica Turner

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