Rose Capital mortgage brokers specialise in finding complex income mortgages that are right for you.
The perversity of having a complex income is that you often don’t know you have a complex income. That is until you come to apply for credit!
A mortgage is such a large financial commitment it requires close scrutiny by the underwriter. Those with a complex income can find this quite a painful process.
However, it doesn’t need to be that way. As a broker specialising in this area, we know the right people to talk to at the right time.
If you fall into one of these areas, I strongly advise you to get independent advice ahead of applying for a mortgage. This can save you a lot of time, and importantly, money.
Self Employed Mortgages
Being self-employed is no longer an uncommon situation. The good news is that lenders are very in tune with this now.
If your income regularly contains bonuses in cash or shares there are lenders that can include these as income or consider a method to repay the loan at a later date.
If you work in hospitality, as long as the payments go through an HMRC approved Tronc system, lenders will treat this as commission income as highlighted above.
As you can see above, the more complex the income, the more help you often need to be approved for complex income mortgages.
We specialise in this area, so would encourage you to speak to one of The Team just to see what your options are before progressing too far with an application. This will ensure you get a smooth experience when applying for complex income mortgages.
Mortgage Calculator
A quick and easy way to calculate your monthly mortgage payments. Simply enter the amount you wish to borrow, the term over which you intend to pay it off and the interest rate. Then hit the ‘Calculate’ button.
The first figure gives the total monthly payment for a straight repayment mortgage, including both interest and payment towards the capital loan amount. This reduces the amount owed on the capital, month by month. The second figure shows the amount of interest payment only.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders. Make an appointment to receive mortgage advice suitable for your needs and circumstances.
Talk to a Professional Mortgage Advisor
We care about finding you the best First Time Buyers mortgage
Head Office
The Leather Market, Unit 13.1.2, 11-13 Weston Street, London, SE1 3ER
Call 0207 935 7866
Email info@rosecp.co.uk
A fee of up to 1% of the mortgage amount may be charged depending on your circumstances (ie. £1000 on a £100,000 mortgage). A typical fee is £495 plus we will receive commission from the lender.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Rose Capital Partners Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy-to-Let. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Rose Capital Partners Ltd. Registration No. 08843654 registered in England and Wales. Registered Address, Leigh Saxton Green, Clearwater House, 4-7 Manchester Street, London W1U 3AE.
