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How to get a mortgage when you have multiple incomes
We understand that ‘one size does not fit all’ especially for self-employed individuals with multiple incomes.
Most high street banks won’t accept the income from all your sources which has a disastrous effect on the loan amount you’re allowed to borrow.
Our mortgage products are designed specifically for self-employed people with diverse incomes, ensuring you achieve the mortgage you’re looking for. These mortgage options are often ignored by your bank and other mortgage companies.
Well not here… you’re about to witness the power of having a team of self-employed experts who understand your situation inside-out!
Our unique approach involves manually underwriting mortgages with common sense, without relying on credit scoring. This, along with our deep knowledge of mortgages with multiple incomes, brings solutions you never thought possible.
If you want to take advantage of the benefits of being self-employed with multiple incomes, then you’ve come to right place.
Our lenders love to see multiple incomes and with exclusive deals at high street rates your mortgage dreams are just a few steps away.
What documents do I need for a mortgage with multiple incomes?
When your income comes from more than one source, lenders need clear evidence of each stream to understand your total earning picture. The documents you’ll typically need include:
Having everything clearly documented gives underwriters the full story, helping them see the stability behind your combined income.
How Do Lenders Assess Multiple Income Streams?
Each lender has their own method for calculating affordability, which is often where many high street banks fall short. Common approaches include:
This is where expert advice is crucial. With access to lenders who understand modern self-employment, we ensure every income stream you’ve worked hard to build is counted fairly.
How We Help Clients With Multiple Incomes Borrow More
Our mortgage process is designed to turn complex income structures into clear, compelling applications that lenders trust. Here’s how:
Our approach gives self-employed borrowers a genuine advantage, turning what others see as “complicated” into a mortgage-ready success story.
Why Work With Us
Here are just a few ways we’re DIFFERENT from other companies
Self-Employed
Specialists
Specialists
In-House
Underwriting
Underwriting
Borrow
More Money
More Money
Proven
Success Rate
Success Rate
Multiple Income Mortgages Success Story
Aaron, a sole trader with multiple incomes, and Jasmine secured their ideal mortgage with our expert help, bypassing long waits for tax returns. They’ve just moved in and are excitedly starting their home refurbishment project
The new wave method
Here’s the SIX STEPS to GUARANTEE Self-Employed Mortgage SUCCESS
Pro-TIP:
Multiple Incomes Mortgages
Enjoy the perks of having multiple incomes and still get top mortgage rates! Our expert Daniel provides an exclusive tip to ensure your mortgage is approved on high-street rates at the loan amount you’re looking for.
Ask our Experts
Yes, in most cases. Lenders will typically want an assured shorthold tenancy agreement or letting agent statement alongside your other income evidence to verify it is consistent
Yes, and this is one of the most common multiple-income scenarios we handle, blending company dividends with employed earnings from an unrelated role.
Yes. We will present both businesses verified income separately so underwriters can see the full combined earning picture rather than treating one as a distraction from the other.
It can be, though lenders usually want to see at least 12 months of history to judge consistency. We will help present the pattern in a way that reassures underwriters rather than raising questions.
Not with the right lender. It often takes longer with a high street bank unfamiliar with layering income sources, which is exactly why our manual underwriting approach exists.
Yes, many lenders will blend pension income with ongoing self-employed or contract earnings, provided both are verifiable and likely to continue.
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