Mortgages architected for complex lives
When standard high-street algorithms fail to comprehend your balance sheet, we present your true financial capability directly to underwriters who do.
Intelligent funding solutions for directors, contractors, and multi-asset borrowers.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
Structured borrowing for non-standard earnings
The UK mortgage market was largely built for salaried employees receiving twelve identical pay slips a year. If your income arrives via dividend draws, retained corporate profits, foreign exchange, or day-rate contracts, the high-street computer routinely falters.
Led by Mike Siviter, our complex income practice specialises in translating intricate corporate accounts into the straightforward language that specialist underwriters respect.
High-net-worth & multi-asset borrowing
High-net-worth individuals, private equity partners, and investors with global or multi-stream wealth structures.
The high-street obstacle: Mainstream bank stress-tests ignore unvested stock units, offshore holding structures, and variable asset valuations, forcing clients toward unnecessary liquidity liquidation.
The Campden Brook approach: We engage directly with private banks and specialist high-net-worth lending desks. By taking a holistic overview of your global balance sheet — including vested equity, deferred bonuses, property portfolios, and investment yields — we structure bespoke borrowing terms that preserve your capital efficiency.
Key feature: Access to private banking credit committees and dry-powder asset-backed lending lines.
Company directors & business partners
Managing directors, business co-founders, and equity partners drawing salary and dividends or retaining profits within trading companies.
The high-street obstacle: Traditional lenders assess affordability solely on personal tax calculations (SA302s) and salary draws. If you wisely retain profit within your limited company for tax planning or reinvestment, standard brokers fail to reflect your real purchasing power.
The Campden Brook approach: We work with specialist lenders who evaluate share of net pre-tax profit plus director salary, rather than just drawn dividends. By analysing your full corporate accounts, we frequently unlock borrowing capacities two to three times higher than high-street assessments.
Key feature: Pre-tax profit addition, dividend averaging, and single-year accounting acceptance.
Day-rate contractors & freelancers
IT consultants, management specialists, interim executives, and creative professionals operating via limited personal service companies or sole trader structures.
The high-street obstacle: Banks often demand three full years of audited personal accounts and treat day-rate professionals as high-risk, calculating affordability on historical tax returns rather than current contract value.
The Campden Brook approach: We utilise dedicated contractor underwriting metrics that calculate gross annualised income directly from your current daily contract rate (e.g., Day Rate × 5 days × 46 weeks). This eliminates the need for multi-year account histories and reflects your immediate earning power.
Key feature: Multipliers based on daily contract rate with as little as 3 months’ contract history remaining.
Joint Borrower Sole Proprietor
(JBSP / Bank of Mum & Dad)
Established parents or family members assisting the next generation onto the property ladder without incurring adverse Stamp Duty or Capital Gains liabilities.
The high-street obstacle: Traditional joint mortgages force parents onto the property deeds, triggering the 5% Stamp Duty Land Tax surcharge for additional dwellings and potential future Capital Gains Tax exposure.
The Campden Brook approach: We structure Joint Borrower Sole Proprietor (JBSP) arrangements. All parties sit on the mortgage contract so income can be combined for affordability, but only the child’s name appears on the legal title deeds. Through our direct connection with Kingsley Bond Solicitors, the financial and legal frameworks are engineered seamlessly under one roof.
Key feature: Multi-generational affordability blending with zero extra Stamp Duty Land Tax exposure.
Our three-step path to completion
Unlettered clarity from initial verification to key hand-over.
Step 1:
Verification & financial discovery
We begin with a quiet, thorough examination of your financial landscape.
Using encrypted Open Banking verification and secure digital document portals, we gather your core facts, corporate accounts, and identity proofs efficiently.
No paper forms mailed back and forth; simply a clean, immediate picture of your position.
Step 2:
Underwriting rationale & market sourcing
our senior advisory team conduct bespoke market research.
Rather than submitting automated DIPs that leave soft footprints on your credit record, we draft a formal credit paper detailing your balance sheet, corporate structure, and repayment capacity.
We present this paper directly to senior lender decision-makers.
Step 3:
Dedicated pod packaging to formal offer
Once your application is submitted, our dedicated administrative pod takes complete ownership.
They handle 100% of lender chasing, valuation tracking, and underwriter queries.
Simultaneously, our sister legal practices at Kingsley Bond and Montrose Brown Solicitors receive your file details, ensuring legal title searches proceed in lockstep with the mortgage offer.
Discuss your borrowing requirements
Share a few details regarding your financial structure. A senior member of our complex income team will contact you directly.