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Mortgage with Complex Income

  • Multiple Income Sources
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Mortgage with Complex Income

>RockHopper can assist clients who have complex forms of income, from multiple sources.

Usually we find clients with complex income derive it from one or more of the following sources:

  • Share portfolio
  • Unit Trusts
  • Open Ended Investment Companies (OEIC’s)
  • Premium bonds
  • Savings Interest
  • Multiple jobs – employed or self employed
  • Non executive directorships
  • Overseas/offshore income
  • Freelance income
  • Rental income (both commercial property and residential property)
  • Royalty Income
  • Pension/Savings drawdown
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Typcially, clients who have complex income tell us that they are concerned that the Banks, Building Societies or Lenders they may have approached for a mortgage or remortgage will not take an “holistic” view of their income and assess affordability on all the income they receive. As a result they may have been declined for a mortgage, or offered a loan amount much less than they require.

This can result in them losing the property they wish to purchase, or not being able to raise sufficient funds for a remortgage. Often, we are told it can take days or weeks to obtain such a decision from a Lender, which causes clients a lot of frustration.

We are often informed by customers that Lenders have told them they may not have a sufficient track record of the income they wish to use, the income may be too variable to consider, the income may not be derived in Sterling and therefore subject to currency fluctuations or is just not the type of income they will consider to assess affordability.

At RockHopper, we look at all cases individually and assess each mortgage or remortgage on its own merits.

Do get in touch if you want some assistance in obtaining a mortgage with complex forms of income.

We offer a free initial, no obligation, assessment to see if we can help you.

 

Best Deals -Purchase

Lender Initial Rate Type For Then APRC* ERC* Fee
BBV 1.52% Discount 2 years 4.99 4.4 2 years £1493
BMO 1.64% Discount 2 years 4.99 4.5 2 years £1493
BMS 1.69% Discount Aug-2024 5.99 4.6 31-Aug-2024 £1495
BWO 1.75% Tracker 2 years 4.49 3.3 £0
BCV 1.79% Tracker Oct-2024 4.89 3.8 £0
TIP 1.79% Discount 3 years 5.64 4.8 3 years £1505
HSB 1.79% Tracker 2 years 4.04 3.8 £0
HSB 1.79% Tracker 2 years 4.04 3.8 £0
HSB 1.79% Tracker 2 years 4.04 3.8 £0
HSB 1.79% Tracker 2 years 4.04 3.8 £0
*APRC = Annual Percentage Rate of Charge
*ERC = Early Repayment Charge
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search:
Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; .

The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

 

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Easy to work with.

By: Tim Baldwin
Rob and Alex are very easy to work with and you always feel like they have your back.....
For service -  Remo/Fairlea
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Very thorough, efficient service

By: Duncan Lees
After a very complicated first mortgage five years ago, we were quite apprehensive about the remortg....
For service -  Resi/Remo/Chelveston Road
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By: Ben Hornby
Alex and particularly David have been superb in helping us secure this remortgage which was not easy....
For service -  Resi/Remo/Slyne Road
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Very helpful, professional, and patient throughout what (for external reasons) turned into an except....
For service -  Expat/BTL/Gypsy Road
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David and Alex were very helpful in finding us a lender for our dream home. Thank you!....
For service -  Resi/Purchase/Austrey Lane
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By: Thomas Rae
They managed a remortgage when others could not. Would recommend to others.....
For service -  Resi/Remo/East Argyle Street
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By: Tim Wright
This was an excellent service from start to finish. Due to my circumstances ( paid in dollars) I cou....
For service -  Resi/Purchase/Heatherway
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Excellent service. Delivered my non standard mortgage. Anticipated challenges ahead and collected th....
For service -  Resi/Purchase/Monks Lane
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Had a great experience which resulted in successful purchase of our new home. Thanks to Alex Fryday.....
For service -  Resi/Purchase/Robson
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Very, very helpful and came through when others could not help (30+)

I wanted a mortgage at a particular LTV (20%) for a recent (less than 2 years) immigrant (Tier 2). I....
For service -  Resi/Purchase/Robson
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By: Andy Carmichael
We’ve had exceptional service from David and Alex to a difficult mortgage over the line. They have....
For service -  Expat/BuytoLet/Remo/King Edwards Road
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The best in the business.

Rockhopper has assisted me with my mortgage requirements on a number of properties. On every occasio....
For service -  Resi/Remo/Riddlesdown
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Highly recommended

By: Karl Davies
As a contractor earning salary in foreign currencies, I was unable to secure a mortgage via traditio....
For service -  Resi/Purchase/Hawthorns
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By: Francis Hornyold-Strickland
Great service. Lovely people and ended up with a great rate. My only suggestion would be to move awa....
For service -  ProductTX/Ferndale
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By: Gemma Hartley
A professional service from start to finish, good communication and helped me when other mortgage br....
For service -  Resi/Purchase/Upper St John St
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Rockhopper Mortgages are superbly professional and totally in control.

David Rostron and Alex Fryday of Rockhopper Mortgages were brilliant! I wanted to shuffle my mortgag....
For service -  BTL/Remo/Bay Tree
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Friendly, helpful and professional service.

By: Robert Cammidge
Friendly, helpful and professional service, took the stress out or re-mortgaging.....
For service -  Resi/Remo/Windham Road
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Superb service!

Excellent service from David and Alex, we were guided throughout the whole long process of our mort....
For service -  Resi/Purchase/Curlingham Crescent
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Excellent service

Refreshingly clear and straight forward process with strong, responsive communication.....
For service -  Resi/Purchase/Kenilworth Court
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By: Maurice Pickup
A very professional service.Guided through the process from beginning to end.Kept well informed thro....
For service -  Resi/Remo/Woodbine Cottage
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RockHopper Mortgages is a trading style of RockHopper Origination Limited who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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