Complex income isn't a product. It's how we assess income types that doesn't fit a standard template, across every proposition we offer. The cases below show how that works in practice, from the client's situation through to how we would asses each one.
Use them to place similar cases with confidence.
Everyday living
NBS residential range
Life Happens
Adverse credit considered in context
Make it possible
Enhancement affordability
Worldwide Welcome
Foreign nationals & returning expats
Chris, 45 - Warehouse supervisor
Remortgage with historic adverse credit and multiple income sources.
A temporary drop in income, missed payments on file, and affordability built from a main salary, weekend delivery work and Universal Credit.
Remortgage | Debt consolidation.
Read Chris' case
Sophie, 34 - HR business partner
Mortgage with recent arrears and a new job not yet started.
Short-lived arrears after a separation, a permanent role that starts next month, and a gifted deposit. No payslip yet.
£280k purchase | 10% gifted income.
Read Sophie's case
Ahmed, 32 - Senior software engineer
Mortgage for an agency worker with under six months left on a visa.
Three years of continuous contracting through a specialist agency, five years in the UK, and a visa due for renewal in six months.
£375k purchase | 20% deposit.
Read Ahmed's case
Raj, 34 - Senior software engineer
Mortgage for a client new to the UK whose permanent job hasn't started yet.
Newly arrived from India with a signed £92,000 contract, no UK credit history, an overseas deposit and six weeks until his first day.
£400k purchase | 10% deposit | Sole.
Read Raj's case
Rebecca, 29 - Project manager
6.5x loan to income using a pending pay rise and second job income.
A contractual pay rise that won't hit payslips for three months, RAF Reserves income alongside, and a first home that only works at 6.5x.
£320k joint purchase | 10% deposit.
Read Rebecca's case
Explore our complex income range to see which fits your clients situation or speak to your BDM.