Are you self-employed with multiple incomes and looking for a mortgage?
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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, we charge a one-off broker fee when your mortgage is accepted by the lender. At this stage your application has been submitted, they’re happy with your paperwork and their surveyor has valued your property. At this point, you’ll be sent a formal mortgage offer which is a legally binding document to confirm the mortgage is approved. We’ll then invoice for our broker fee of £1,995.
Typically, it takes 2-4 weeks to get your application approved by the lender. The quickest we have turned an application around is just 48 hours! If speed is important, then tell your expert and they’ll match you with the right lender to ensure it gets accepted as quickly as possible.
As a rule of thumb, lenders restrict the amount you can borrow to 4.5 x your last two years tax returns. Being experts in mortgages with multiple incomes, we have access to lenders that will lend significantly more! Use our quick calculator to get an estimate based on your self-employed earnings.
The answer to this is simple. Yes! It’s just question of when you’ll be able to get the mortgage you’re looking for. Our unique service for mortgages with multiple incomes provides all the best shortcuts out there to bring you the best mortgage options in the quickest timeframes possible.
This depends on the lender your expertly matched with. As a minimum we require proof of ID, proof of address and proof of income. We’ll need sight of any tax calculation (otherwise known as SA302) for any sole trader or rental income. If you’re a limited company, we need your latest set of company accounts. Documents for other income sources are clarified after your initial consultation with your expert.
We are so confident your application will be approved that you’ll receive £500 Amazon vouchers if we don’t. That’s the New Wave Guaranteee. We also take all the risk so you don’t have to… this means you don’t pay us a penny if we’re not able to secure the mortgage we promised.
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