Mortgage and protection for complex incomes.
Managing multiple income sources can make securing a mortgage more complicated. Whether you’re living off investments, have fluctuating earnings or income from overseas, we’re here to help.
We’ve got your best interest at heart.
Do you have multiple income sources?
If you juggle freelance work, self-employment, dividends, bonuses, benefits or rental income, you may have been told by lenders that your earnings are too complex to assess. The truth is, not all lenders take the same approach - we know the ones who do.
Tailored mortgage solutions for those with complex incomes.
Many lenders rely on rigid criteria that don't reflect the realities of modern work. If you’ve struggled with proving long-term affordability, faced rejection due to fluctuating income, or been frustrated by long approval times due to extra documentation, we can help.
We work with lenders who understand diverse income streams and know how to present your case in the best possible way.
Overcoming the challenges.
Lenders struggling to assess multiple income sources
We ensure all eligible income is considered.
Inconsistent or fluctuating income
We demonstrate financial stability even if your income varies.
Not all lenders accepting certain income types
We identify lenders who recognise all forms of earnings, from dividends to rental income.
Knowing how to present your case
We structure your application to highlight affordability and reliability.
More documentation leading to longer approval times
We streamline the process to make things as efficient as possible.
Proving long-term affordability
We help lenders see beyond income fluctuations to assess sustainable earnings.
We’re here.
Whether it’s questions about your current mortgage, switching to a new deal, moving house or looking to protect your income, we’re here for you.
With our office in Monmouthshire and a network of colleagues across South Wales, Somerset and London, we’re never far away.
Quickly and easily book a call with us using the link below.
Our Approach
1. Discovery Call
This is where it all starts; we want to get to know you and what you need from us, our 30 minute strategy call is a great time to ask any initial questions and lay out our working relationship.
2. Fact Find
Using the latest technology we collate all the relevant documents and information from you securely allowing us to provide you high quality advice.
3. Advice & Application
Following extensive research of the market, we will provide our advice and recommendation ready for application. We then run through all the documents with you so you’re informed to make the right decision for you.
4. Progress to Completion
Personally managing the process from start to finish, from offer issue to completion as swiftly and efficiently as possible. Questions during the process? We’re here.
“We can't recommend Jonathan Southgate and the team enough!”
“Selling and buying houses is certainly not stress free. On top of that, navigating the world of mortgages, especially during a time of increased uncertainty with cost of living rises, interest rates and upcoming elections, is not straightforward. We used Sterling Southgate as our mortgage advisor which took away a big part of that stress and worry, giving us the right options for our current and potential future circumstances, supporting us along the house selling/buying journey.”
Sam & Alex. (June 2024)