If your income doesn’t fit neatly into a standard monthly payslip, high-street banks often struggle to understand your true financial strength. Automated systems reject applications from company directors, contractors, freelancers, CIS workers, and anyone with multiple or variable income streams-even when they earn significantly more than traditional PAYE employees.
Clark Mortgages works differently. Based in Chester and Cheshire and supporting clients nationwide, we use whole-of-market access to connect you with specialist lenders who manually assess your full financial picture. With over 100 lenders, decades of expertise, and a risk-free Application Guarantee that refunds your broker fee if we cannot secure a mortgage after a full application, we make complex income mortgages simple, strategic, and achievable.
We support a wide range of clients whose income doesn’t fit traditional banking boxes, including:
Complex income doesn’t need to mean a complex mortgage. Our four-step process keeps everything clear and fully managed:
A free consultation to understand your income structure - whether that’s retained profits, day rates, bonuses, commissions, or multiple jobs, including cases where projection mortgages are required. Our brokers bring accounting‑trained expertise, ensuring complex income cases are assessed accurately even when formal financial accounts aren’t available.
We compare whole-of-market lenders, targeting specialist underwriters who manually assess your true affordability rather than relying on rigid algorithms.
We handle the paperwork, package your accounts correctly, and manage communication with underwriters to maximise approval chances including accountant reference mortgages when traditional documentation isn’t suitable. “They ensure your financial books are accurately represented, submit the application formally, and keep you updated throughout the underwriting phase.
We support you through completion and stay with you long-term as your income evolves - whether you’re scaling a business, changing contracts, or expanding a property portfolio.
Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Many self-employed applicants are rejected by high-street banks requiring three years of accounts. We specialise in:
Your personal salary rarely reflects your true financial strength. We help directors:
Automated systems often misinterpret contract-based income. We support:
If your income comes from several sources, we help lenders see the full picture:
High-street banks often refuse foreign currency income entirely. We support:
Yes – specialist lenders can accept one year of trading history for sole traders, freelancers, and newly formed partnerships.
Some lenders will assess retained net business profits rather than just salary + dividends, significantly increasing borrowing power.
Specialist lenders often accept 100% of regular bonuses, commissions, and overtime when they form a consistent part of your income.
Yes – contractor mortgages often use gross day-rate annualisation (e.g., 46–48 weeks) rather than net profit.
Yes – manual underwriters can safely assess foreign currency income, even when high-street banks refuse it.
Specialist lenders can average variable hours over a longer period to calculate stable affordability.
Clear, strategic guidance – even when banks say no.
Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage.
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18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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