Navigating complex mortgage applications

Applying for a mortgage can be daunting. Gathering evidence for affordability checks, tidying up your credit history and securing an agreement in principle can be exciting but also nerve-racking. And that is if you meet the standard circumstances.

But what if you don’t fit the mold of a typical borrower? If you’re self-employed, have income from multiple sources or no credit history, you may be one of the many people in the UK navigating complex mortgage applications. Here’s our handy guide on your options, and why it’s important to find a lender that can be flexible.

Woman sat at a desk using a laptop and calculator

What is a complex mortgage?

What is a complex income mortgage?

Are there options available if you're self-employed?

Applying for a mortgage if you’re a director of a limited company

Your options if your circumstances are complex

How do you prove affordability if you’re self-employed?

What to do if you have no credit history