Complex Income Mortgages

Many borrowers have multiple streams of income that cant be used by mainstream lenders

Mortgages up to 90% LTV
Easy application process
UK and overseas income can be used
Competitive rates

Standard income multiples are used inc some benefits

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    Having many unconventional sources of income can inhibit a mortgage application.

    Income from trusts or overseas sources can not normally be used plus a host of other sources. This is where complex asset structures have to be carefully assessed and the right lender selected to meet the need of the borrower. It can also be as simple as having income from 2 jobs or from a side hussle.

    We can guide you accordingly. If you have a large pension pot and don’t wish to withdraw the lump sum we can even “assume” an income and take that as an income for mortgage purposes. Our expert have intimate knowledge of the property market that enable us to hone in on the right lender without the drama of making multiple applications.

    • 60% to 90% LTV
    • Multiple Sources of income / 2 jobs / self employed & employed
    • Overseas and Foreign Currency income
    • Pension fund / Investment portfolio assets can be used a income

    Why choose us?

    Here are a few reasons to choose Chess Mortgages.

    Experienced advisers

    We’ve been advising clients on mortgages for over 40 years.

    We move fast

    No need to wait; we respond & process applications quickly.

    Whole of market

    We scour UK lenders, private banks & offshore lenders for deals.

    What you need to know...

    I am paid in Euros , Can I get a mortgage

    Yes . Some lenders accept no sterling income

    I have a large pension fund but don’t want to exercise my drawdown just yet, Can I use the fund value to my benefit?

    Yes , We have lenders that will take 5% of the fund value as an income and use that figure as your income to calculate your affordability. So you don’t have to take your pension income to get a mortgage

    I have been self-employed for just one year and have one years accounts. Can I get a mortgage?

    Yes – We have lenders that will accept your first years accounts and not insist on 2 or 3 years books.

    I have 2 jobs – can I use both incomes?

    Yes – provided the hours worked are sensible and both jobs are permanent we can use both incomes.

    Whats the maximum number of applicants ?

    We can use up to 4 applicants’ incomes . Some lenders will allow 4 applicants but not all 4 incomes!

    Can a mortgage applicant not be on the deeds?

    Yes if the particular applicant is not going to live there we can arrange a mortgage on that basis

    What our clients say...

    "Excellent service and I would highly recommend to others"

    Had the pleasure of instructing Chess Mortgages. Jaz was incredibly professional and impressive in her handling of my remortgage application. My application was dealt with within a week! Excellent service and I would highly recommend Jaz to others. Thank you Jaz!

    Shaida Hussein

    "Award winning mortgage advisors & I can see why"

    Bob stepped in at very notice to assist us when we were in danger of missing out on our perfect home. We were impressed with advice we'd seen Bob provide on a forum, which was clear and sensible. It was later we found out that Chess are award winning mortgage advisors and I can see why.

    Iftikhar Ahmad

    "Chess was by far the best decision we made in looking for a mortgage"

    I can't thank Jaz and Bob enough for their efforts in helping my wife and I in secure a mortgage. The process was effortless and they took weight off our shoulders. Having gone through getting a mortgage a number of times, I can safely say using Chess was by far the best decision we made. I will be using them again.

    Shamit Rooproy

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    Speak to an adviser today via a free, no obligation consultation.