Complex income
Self-employed, contractor, bonus, overtime or multiple income sources reviewed in context.
Cases outside the simple route
Refer the residential cases that need a more considered view.
Bring complex residential mortgage business to a team experienced in non-standard income, credit history, unusual property and layered client circumstances.
Experienced case interpretation Complex and variable income Non-standard property support
Complex residential supportA clearer route through layered cases
- Non-standard income
- Credit history
- Unusual property
- Layered circumstances
Experienced complex residential supportComplex incomeCredit contextUnusual propertyLayered cases
Complex residential experience
A difficult case needs interpretation, not another automated decline.
Complex residential business is often viable when the circumstances are understood properly. We help intermediaries turn income, credit, property and affordability details into one coherent case, then explore lender appetite without losing sight of the client's objective.
Discuss a complex caseCredit history
The timing, value, status and explanation of credit events brought into a clearer lender conversation.
Unusual property
Construction, tenure, condition, occupancy and marketability considered before the route is shaped.
Layered circumstances
Deposit, commitments, dependants, age and term connected rather than assessed in isolation.
Recognise the opportunity
When to bring the scenario to Charles Frank
The strongest early conversations identify the client objective and the feature that makes a specialist route worth exploring.
Self-employed or variable income
Accounts, contracts, retained profit, overtime, bonus or multiple income sources require closer interpretation.
Credit history
The type, timing, status and explanation of past credit events affect which lenders may engage.
Unusual property
Construction, condition, tenure, location or occupancy sits outside common automated criteria.
Layered circumstances
Deposit source, dependants, age, term or existing commitments create a case that needs to be viewed as a whole.
Prepare the conversation
The information that creates a stronger starting point
Requirements vary by lender and case. These are the details that usually help the specialist team understand the position quickly.
- The client objective, property position and required borrowing
- A clear breakdown of all income and how it is evidenced
- Deposit amount, source and any gifted element
- A dated explanation of material credit events
- Known property, tenure or construction details
- Existing commitments, dependants and preferred mortgage term
Partner questions
Useful context before the first conversation
Product and lender criteria change. An early conversation with the specialist team helps identify the information needed for a meaningful view.
Usually it is one or more features that need manual interpretation, such as income structure, credit history, the property or a layered set of commitments and objectives.
Expand the cases you can support