How to Get a Mortgage with Complex Income: A Guide for Contractors, Self-Employed & Freelancers

Getting a mortgage can feel like an uphill climb when your income doesn’t follow the typical PAYE pattern. Whether you’re a contractor, freelancer, limited company director or juggling multiple income streams, many high street lenders may not fully understand your circumstances.

At Impact Specialist Finance, we specialise in helping clients with complex income secure the funding they need. Here’s what you should know—and how we can help.

Why “Complex” Doesn’t Mean “Impossible”

Being self-employed or earning income from different sources can sometimes raise red flags with mainstream lenders, who often prefer neat, consistent payslips. But that doesn’t mean you’re out of options.

Lenders in the specialist market take a different view. They assess each case on its merits and are often more flexible when it comes to proof of income, especially when supported by the right documentation and a clear explanation of your financial position.

Who Does This Apply To?

You may fall into the “complex income” category if you:

• Run your own business or are a company director
• Work as a contractor or consultant on short-term contracts
• Earn through freelancing, gig work or multiple part-time roles
• Have recently switched to self-employment
• Take most of your income via dividends or retained profits

These scenarios aren’t a barrier to homeownership—they just require a more tailored approach.

What Will Lenders Look For?

Specialist lenders are likely to request:

• Two or more years of accounts (though some may accept one year with a strong track record)
• SA302s and tax year overviews from HMRC
• Company accounts or accountant’s reference letters
• Contract agreements or evidence of ongoing work
• Bank statements to show consistent income

A strong application is all about preparation—and that’s where we come in.

How We Can Help

At Impact, we work with a wide range of specialist lenders who understand the needs of self-employed clients and those with complex income. We’ll take the time to understand your situation, help you gather the right documents, and present your case in the strongest possible light. Our team manages the process from start to finish, liaising with lenders on your behalf and ensuring everything runs smoothly. Whether you’re just starting out as a freelancer or have years of company accounts behind you, we’ll guide you every step of the way.

Ready to Take the Next Step?

If your income doesn’t follow a traditional path, don’t let that stop you from exploring your mortgage options. With the right advice and access to the right lenders, you may be closer to homeownership than you think.

Contact Impact Specialist Finance today and let’s talk through your circumstances. We’re here to make complex income simple.