Complex Income? Simple Mortgage Solutions
 If you earn through multiple streams, bonuses, dividends, or irregular income, securing a mortgage can be challenging. Mortgage-Tek specialises in helping clients with complex income profiles access the UK property market. Our expert team works with specialist lenders, ensuring your full income picture is considered and your application is presented professionally. Whether you’re buying your first home, remortgaging, or investing in buy-to-let, we make the process straightforward and stress-free.
We work with more than 120 mortgage lenders, including
Why Complex Income Mortgages Are Needed
Tailored Solutions for Non-Standard Income
Many high street lenders struggle to assess borrowers with non-traditional income sources. Contractors, freelancers, directors, and individuals with multiple income streams often find themselves offered less than they can afford—or declined entirely. Complex income mortgages are designed to accurately assess your total earnings, including dividends, bonuses, commissions, and irregular payments, giving you access to the borrowing power you deserve.
Key Benefits:
- Comprehensive Income Assessment: We consider every income source, ensuring your application reflects your true earning potential.
- Access to Specialist Lenders: We work with lenders who understand complex income and offer competitive mortgage solutions.
- Maximise Borrowing Potential: Properly structured applications can significantly increase how much you can borrow.
- Stress-Free Process: Our team manages all the documentation and lender communication on your behalf.
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Who Can Apply
Designed for Borrowers with Diverse Income Streams
Complex income mortgages are ideal for individuals whose earnings don’t fit the traditional payslip model.
Mortgage-Tek helps clients across various industries secure mortgages by presenting their full financial picture to specialist lenders.
Eligible Applicants Include:
Contractors & Freelancers
Professionals working on fixed-term contracts or multiple assignments.
Directors & Business Owners
Those earning dividends, profit distributions, or irregular salaries.
Multiple Income Streams
Individuals combining part-time roles, freelance work, or investment income.
Commission-Based Roles
Sales professionals or others with fluctuating commissions or bonuses.
Self-Employed Professionals
With 1+ years of accounts or irregular trading history.
Services We Provide
Mortgage Solutions Tailored to Complex Incomes
 Mortgage-Tek offers a range of mortgage services for clients with non-standard income.
Whether you’re buying your first home, remortgaging, or investing in buy-to-let, our solutions ensure your full income picture is recognised and maximised.
Our Services Include:
First-Time Buyer Mortgages
Helping clients with complex income secure their first UK property with confidence.
Remortgages
Assisting in switching lenders or accessing better rates while considering all income streams.
Buy-to-Let Mortgages
Specialist solutions for investors with non-traditional income looking to expand their property portfolio.
Portfolio Expansion
Supporting experienced investors to grow and manage multiple properties efficiently.
Flexible Repayment Options
Structuring mortgages to accommodate variable income without penalties.
Why Expats Choose Mortgage-Tek
Expert Guidance for Complex Income Borrowers
 Mortgage-Tek specialises in helping clients with non-standard income access the UK mortgage market confidently. We combine years of experience, direct access to specialist lenders, and personalised solutions to ensure your full income is recognised and maximised. From initial consultation to mortgage completion, we guide you every step of the way.
Specialist Expertise
We understand complex income structures and know which lenders offer the best solutions.
Direct Lender Access
Many of our lenders are not available to the general public, giving you exclusive options.
Tailored Guidance
Your application is structured around your full income, not just standard payslips.
Transparent Process
Clear, jargon-free advice ensures you make informed decisions with confidence.
Ongoing Support
From first-time purchases to remortgaging, we remain your trusted partner.
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Question
Can I get a mortgage if I have multiple income streams?
Yes. Specialist lenders assess all sources of income, including contracts, dividends, bonuses, and freelance earnings.
Do I need full accounts or payslips?
Not always. Lenders may accept contracts, bank statements, or partial accounts, depending on your income type.
Can contractors or freelancers apply?
Absolutely. We work with lenders who understand irregular or contract-based income and provide competitive mortgage options.
Are mortgage rates higher for complex income borrowers?
Rates can vary, but specialist lenders often provide competitive solutions tailored to your overall income profile.
Can I remortgage with complex income?
 Yes. Many clients refinance or switch lenders, using their full income picture to improve terms or release equity.