Income flexibility range
who need income flexibility
We understand that many aspiring home owners can experience challenges when it comes to mortgage affordability. We view each case on its own merits and can look outside of our standard income criteria and apply flexibility around income multiples.
whatever the case
We know that every case is different and while some lenders may not be able to help, we see the potential. Our strength lies in our common-sense approach with a willingness to consider cases that fall outside of standard criteria.
Shared ownership range
We understand that saving a deposit isn’t always easy, and that some people may need a little extra support. With our shared ownership mortgages, your clients can borrow up to 100% of the share value they’re purchasing, helping realise their home ownership ambitions at a more affordable cost.
We can support a wide range of client types. Whether they’re a newly qualified doctor taking their first steps in the medical profession or a sole trading electrician with years of experience under their belt, our common-sense, manual underwriting provides the flexibility to consider every income type on its own merits, helping provide handcrafted solutions.
We consider 100% of secondary income in many scenarios.
We accept multi-source income from employment, self-employment or a combination of both.
We accept earnings from professional landlords as a full time income source.
Properties bought for cash and renovated to increase their value can be considered for remortgaging within six months of ownership providing this can be fully evidenced.
We accept applications with a minimum of 1 years’ accounts.
We can work on a projection for year two based on an uplift of up to 30% of the first year’s figures.
High net worth income
For your high net worth clients we have options available with no maximum loan amount.
Complex income sources such as sportspersons, musicians and actors are understood and considered.
Newly qualified professionals
We can consider lending up to £1m at up to 100% market share value on our shared ownership products.