Not all income fits neatly into a standard payslip.
This client had multiple income streams, including a base salary, bonuses, and additional earnings from side ventures. While their total income was strong, previous lenders had struggled to assess it properly, leading to limited borrowing options.
We took a detailed approach to understanding each income stream, how consistent it was, and how it could be evidenced.
By presenting a clear breakdown and placing the case with a lender experienced in handling complex income structures, we ensured their full earnings were taken into account.
The result was a mortgage offer that reflected their true affordability, allowing them to move forward with their purchase without being restricted by a simplified view of their income.