Complex Income Mortgages
High-net-worth clients with irregular or multiple income streams often face challenges with standard lenders. Million Plus Private Finance structures bespoke mortgages for complex income, including bonuses, dividends, retained profits, and business earnings. We deliver flexible lending solutions for properties £1 million and above with discretion and an efficient, adviser-led process.
Why Choose Million Plus For Your Complex Income Mortgage?
Complex income can prevent approval from traditional banks. Million Plus Private Finance specialises in arranging mortgages for clients with irregular earnings, multiple income streams, and diverse assets. Our advisers structure applications to reflect total financial capacity, presenting bonuses, dividends, restricted stock units (RSUs), investment returns, and business profits effectively to private banks and specialist lenders. Whether purchasing a primary residence, refinancing multiple properties, or investing in high-value real estate, we tailor solutions to maximise borrowing potential while maintaining flexibility, privacy, and alignment with each client’s overall financial strategy.
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Our mortgage services span everything from premium property finance to unique borrower needs, giving clients access to a complete range of solutions in one place.
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Estimate Your Million Pound Borrowing Potential
Our mortgage calculator provides an indicative view of interest rates, repayments, and borrowing costs for high-value property finance. Designed for complex income and premium mortgages, it helps you explore potential scenarios before speaking with an adviser. Figures are indicative and subject to lender assessment.
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Share your details and our team will contact you promptly by phone or email. Our advisers provide expert guidance, ensuring your complex income is presented optimally to lenders.
Million Plus Private Finance has extensive experience working with high-net-worth clients whose income does not follow a standard payslip. Bonuses, dividends, restricted stock units (RSUs), retained profits, carried interest, and business revenue can all be structured to demonstrate overall affordability and maximise borrowing potential.
We work with private banks and specialist lenders who understand entrepreneurial wealth and irregular earnings. Multi-property ownership, international assets, and complex company accounts are taken into consideration, ensuring lenders assess the full financial picture rather than income in isolation. Interest-only or hybrid repayment structures are often used to maintain liquidity and optimise cashflow.
From application preparation through to lender submission, Million Plus Private Finance manages every stage of the mortgage process. Legal, tax, and valuation considerations are coordinated to ensure efficiency and discretion, delivering lending solutions that align with long-term wealth and investment strategies.
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Mortgage Closings
Navigating mortgages for complex income requires specialist knowledge and established lender relationships. Million Plus Private Finance provides bespoke guidance for clients with multiple income sources, multi-property holdings, and international assets.
We assess all aspects of your financial profile to structure applications that private banks and specialist lenders can approve with confidence. Income from bonuses, dividends, restricted stock units (RSUs), retained profits, carried interest, or company earnings is presented clearly to demonstrate affordability. Where appropriate, multi-property portfolios and international assets are incorporated so lenders assess the full financial picture rather than income in isolation.
Interest-only and hybrid repayment options are available, providing cashflow flexibility while maintaining access to capital. Million Plus Private Finance coordinates with legal advisers, accountants, and valuation experts to ensure seamless applications and timely mortgage completion.
Clients benefit from a personalised service where confidentiality, precision, and experience are paramount. By structuring complex income effectively, high-net-worth individuals and entrepreneurs can access lending solutions that reflect their overall wealth position and support long-term financial objectives.
frequently asked questions
Mortgage Questions Answered
How do I get a million-pound mortgage with complex income?
Million Plus Private Finance presents your full financial profile to private banks and specialist lenders, including complex income sources such as bonuses, dividends, carried interest, retained profits, and investment income. We also consider multiple properties and offshore assets to provide a complete view of your financial standing. By structuring your application strategically, we ensure lenders fully understand your borrowing capacity, allowing access to higher loan amounts and competitive terms. Our advisers guide you step by step, preparing documentation, coordinating valuations, and ensuring your case is positioned for fast, discreet approval.
Typical LTV and deposit requirements?
Loan-to-value (LTV) ratios generally range from 60% to 75%, but for prime properties or when backed by strong financial profiles, some lenders may allow up to 85%, subject to lender criteria and property type. Deposits depend on the property type, lender policies, and the structure of your income. For complex income scenarios, Million Plus Private Finance works with lenders to optimise deposit requirements, potentially leveraging investment portfolios or securities to reduce upfront cash outlay while still accessing competitive rates and repayment terms tailored to high-net-worth clients.
Can expats secure million-pound mortgages?
Yes, expatriates can secure high-value mortgages, but this requires careful planning. Million Plus Private Finance structures cross-border income, offshore holdings, and multi-currency earnings to meet lender requirements. We work with banks experienced in international lending, ensuring foreign salaries, dividends, or investment income are presented clearly and effectively. It’s important to seek independent advice on currency risk, tax considerations, and deposit strategies, enabling expat clients to access UK property finance with confidence.
Are interest-only or hybrid mortgages available?
Yes, interest-only and hybrid mortgage structures are popular for clients with complex income. Interest-only options reduce monthly repayments while preserving capital for investment or liquidity purposes. Hybrid structures combine interest-only with partial capital repayment, offering flexibility and gradual debt reduction. Million Plus advises clients on the most suitable structure based on income patterns, investment plans, and cashflow needs, negotiating with private banks to implement tailored solutions that align with long-term wealth management strategies.
What are the current rates for million-pound mortgages?
Rates depend on the lender, property type, and your overall financial profile. Private banks often provide more competitive terms than retail lenders, especially for clients with complex income or multiple assets. Million Plus monitors market conditions daily, including Bank of England base rates and SONIA swaps, to secure the best available deals. We leverage relationships with specialist lenders to negotiate personalised terms, ensuring rates reflect both your unique profile and the broader property market conditions.
How is complex income assessed by lenders?
Income from bonuses, dividends, retained profits, investment portfolios, carried interest, or other non-standard sources is structured carefully to demonstrate affordability. Million Plus presents these income streams clearly and proportionately, often combining multiple sources to reflect overall financial strength. For clients with property portfolios, equity and refinancing strategies may also be considered to support borrowing capacity. This approach enables lenders to assess the full financial picture rather than relying on a single income stream.
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From prime properties to international estates, Million Plus Private Finance secures bespoke mortgage solutions for clients with complex income. Our specialist advisers provide flexible terms, private bank access, and carefully structured strategies to meet every financial goal.
