Mortgage Advice for Complex Income Structures


It suits the business model of many leading mortgage lenders to service only those customers whose affairs are straightforward, as in having a regular salary, 2.4 children and no adverse credit.

Unfortunately real life is not always like that, and a growing percentage of the population have turned to self-employment or set up their own businesses in order to make a living and provide for their families.

Many have taken on interest-only mortgages and let them run that way just a bit too long.

Even if you are not self-employed, redundancy, sickness, divorce or death in the family can all make life more difficult – and mortgages more difficult to obtain.

Some of these issues can be insured against (see Protection), but it is all too easy to find yourself in need of a mortgage with inadequate credentials.

On the other hand you may have built up a really successful business, but complex income arrangements and tax planning all make it more difficult to get the right mortgage.

Get in touch today to find out how we can help you

Get in touch


We specialise in assisting clients with complex financial and income arrangements to find the most appropriate mortgages for their needs. You may have a very good business or have excellent prospects, but if you don't match the narrow criteria set by many of the high Street lenders you will find it difficult to obtain the mortgage you require.

Through our extensive research and knowledge of the market we are able to place even the most difficult cases, and for many clients we have discovered that there is only one lender out there is geared up to accommodate their own specific circumstances.

Don't accept the first deal that is offered to you.

It always pays to take independent mortgage advice because a good broker will thoroughly investigate your circumstances and match you with the lender who will meet your needs at lowest cost. Getting these choices wrong can cost you thousands of pounds over a working lifetime.

Whatever your situation, send us an Enquiry outlining your circumstances and take advantage of a free initial mortgage review.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Professional Mortgage and Funding Advice for first time buyers, existing homeowners, businesses and those with complex mortgage requirements



"This man is a cut above the normal [adviser]. He is truly independent and when he says ”Whole of Market” he means it. Even when we had agreed a way forward that would greatly improve our position, he came up with an even better solution and not without cost to himself."

I Francis  Stonehouse


The above are the actual words of my client, but please note that I now specialise in mortgage and protection work, and no longer give investment advice.



We provide Mortgage & Protection Advice throughout Gloucestershire, Worcestershire and The Cotswolds including the following local areas…

Cheltenham • Worcester • Gloucester • Tewkesbury • Stow-on the Wold • Broadway • Cirencester • Hereford • Evesham • Pershore, but we work nationally servicing clients in all areas from London and the South Coast to Scotland in the North.