Complex Mortgage Brokers
Thinking about applying for a mortgage but worried your situation might not be straightforward? At Mortgage Saving Experts, we specialise in arranging complex mortgages for clients who don’t fit the standard lending criteria. Whether you’re self-employed, have multiple income sources, own non-standard property, or have experienced credit challenges, our specialist brokers are here to guide you every step of the way.
We’re here to explain your options and help you find the best deal
What is a complex mortgage?
A complex mortgage is simply a mortgage application that falls outside of traditional lending criteria. This could be due to your income structure, employment type, credit history, or the property itself.
It doesn’t mean you can’t get a mortgage, it just means you’ll need a specialist broker who knows which lenders are flexible, and how to present your case to give you the best chance of approval.
When should I used a complex mortgage broker?
You should seek specialist help when:
- You’re self-employed, a contractor, or run your own business.
- Your income is irregular, made up of bonuses, dividends, or multiple sources.
- You’ve had credit issues (defaults, CCJs, IVAs, or bankruptcy).
- You want to buy or remortgage a non-standard property.
- You need higher borrowing based on complex affordability.
- You’re looking for bespoke lending terms that mainstream banks won’t offer.
Our expert brokers will assess your situation and match you with the right lenders, saving you time, stress, and potential rejection.
How long does it take to arrange a complex mortgage?
Most complex mortgage cases can take longer than a standard application, typically 6 to 10 weeks, depending on how detailed the case is and how quickly documents are supplied. We’ll manage the process from start to finish, working directly with underwriters and chasing progress, so you can focus on the bigger picture while we handle the detail.
Do I have to use a high-street bank for a complex mortgage?
Not necessarily. While some mainstream banks may be suitable, many clients with complex needs are better served by specialist lenders. These aren’t always visible to the public but are accessible through brokers like us.
As whole-of-market brokers, we compare hundreds of products across both high street and specialist lenders to find the best match for your individual circumstances.
Complex mortgages made simple
1. We research deals
With over 100 lenders in the UK and thousands of products, finding the right mortgage can be overwhelming, especially if your case is complex. We consider every aspect of your profile, including:
- Employment type (contractor, freelancer, director, zero-hours, etc.)
- Income sources (salary, dividends, rental, bonuses, overseas income)
- Property type (ex-local authority, listed buildings, unusual construction)
Every lender has strict and varied criteria. We know them inside out and will shortlist the most suitable options for your case.
2. Get your documents ready
Complex mortgages often require more paperwork than standard cases. Commonly requested documents include:
- ID (passport or driving licence)
- Personal and business bank statements
- Tax returns or company accounts
- Employment contracts or dividend schedules
- Proof of address
We’ll tell you exactly what’s needed, tailored to your situation, so you’re prepared and nothing is missed.
3. Get an Agreement in Principle (AIP)
An AIP is a lender’s initial confirmation that they’re willing to consider lending to you. For complex cases, the accuracy of your financial details is vital. You’ll need to:
- Provide full breakdowns of all income sources
- List monthly outgoings, including credit commitments
- Submit accounts or payslips where applicable
We’ll check and package your information in the right format to give lenders confidence and improve your approval chances.
4. Submit your complex mortgage application
Once your AIP is secured, we prepare and submit the full application, making sure all supporting documents are in place. Complex mortgages often involve more back-and-forth with underwriters, we manage this for you, ensuring nothing delays the process.5. Mortgage and finalised
When your application is approved, the lender issues a formal mortgage offer. From there:
- A property valuation may be carried out
- Legal checks are handled by your solicitor or conveyancer
- Your mortgage is finalised and funds are released
We’ll support you until completion, ensuring every step runs smoothly.
What are the benefits of using a complex mortgage broker?
Working with a specialist broker gives you access to lenders and deals you’d struggle to find on your own. Benefits include:
- Access to lenders who understand non-standard situations
- Higher chance of mortgage approval
- Bespoke solutions for unusual properties or income structures
- Time saved avoiding unsuitable applications
- Expert guidance from start to finish
Talk to us about your remortgage options
Our advisors at Mortgage Saving Experts specialise in arranging mortgages for people who don’t fit the usual mould. Whatever your situation, we’ll assess your full financial picture and find lenders who can help.
Speak to a complex mortgage expert today and secure the right deal for you.
We’re here to explain your options and help you find the best deal
Complex Mortgage Broker FAQs
Here are some of the questions we’re regularly asked by clients with complex needs.
Are complex mortgage rates higher than standard mortgages?
Not always. While some specialist lenders may charge slightly more, rates are competitive and can be comparable to standard products. It depends on your situation, the lender’s risk assessment, and how your case is presented.
Can I get a complex mortgage if I’m self-employed?
Yes. Many lenders specialise in working with self-employed applicants, contractors, and company directors. They’ll often accept income from multiple sources, dividends, or retained profits.
Can I get a complex mortgage with bad credit?
It depends on the severity and timing of your credit issues. Defaults, CCJs, IVAs, and bankruptcies can all be considered by specialist lenders, though terms may vary. A broker is essential to find the right option for you.
What documents will I need?
This depends on your income and property type. Self-employed borrowers may need two to three years of accounts, while contractors might need contracts and bank statements. We’ll guide you through exactly what your lender requires.
Can I get a mortgage for a non-standard property?
Yes. Properties with unusual construction, mixed use, or unique features may not be acceptable to high-street banks, but there are lenders who specialise in this area.
How much does a complex mortgage cost?
Costs vary depending on the lender, product, and complexity of your case. Fees may include arrangement charges, valuation fees, and legal costs. Some lenders offer incentives like free valuations or cashback. We’ll compare everything to ensure affordability.
Do you also arrange other types of mortgages?
Absolutely. Alongside complex cases, we can also help with first-time buyer mortgages, remortgages, buy-to-let mortgages, and equity release.
Is Mortgage Saving Experts fully regulated?
Yes. We are fully authorised and regulated by the FCA. Our FCA number is 779662.
