Self Employed Complex Incomes
Expert Mortgage Support for Business Owners, Freelancers, and Non-Traditional Earners
At Glass Ocean, we understand that not everyone fits the standard financial mould. If you’re self-employed, a contractor, or have multiple income streams, securing a mortgage can feel more challenging — but it doesn’t have to be.
Based in Dulwich, London, our experienced team specialises in helping clients with non-traditional or complex income structures secure the right mortgage, with the right lender, at the right rate.
Who We Help
Our tailored solutions are ideal for:
- Self-employed individuals (Sole traders, partnerships, or limited company directors)
- Freelancers and consultants
- Contractors and gig economy workers
- Professionals with multiple income sources (e.g. rental income, investments, overseas earnings)
- Company directors who retain profits in their business
- Clients with irregular income or bonus-heavy earnings
Why Choose Glass Ocean?
Specialist in Self-Employed Mortgages
We know the market and which lenders are flexible with self-employed and irregular income applications.
Tailored Advice, Not One-Size-Fits-All
Every client’s income is different. We assess your unique situation and present options that work for you.
Supportive, Clear Communication
We explain everything in plain English — no jargon, no surprises.
How Self-Employed Mortgages Work
Lenders often require more documentation when assessing complex incomes. However, with the right guidance and preparation, we’ll ensure you’re matched with lenders who understand your financial situation — not just your payslips.
We’ll help you provide:
- 1–3 years of accounts or SA302s (HMRC tax overviews)
- Proof of retained profits and dividends
- Accountant's references
- Bank statements
- Evidence of future contracts or ongoing work (if applicable)
Even if you’ve recently gone self-employed or have a less conventional setup, we have lender partners who will work with you.
Thinking About the Future?
We don’t just help you buy your home. We also advise on how to:
- Improve affordability in future applications
- Structure income more effectively for lending
- Re-mortgage or release equity down the line
- Combine self-employed and salaried income (e.g., joint applications)
- Instead of a lump sum, provides regular monthly payments
- Helps replace lost income for your family
- Ensures long-term financial stability
Why Choose Glass Ocean?
- Personalised Advice – We take the time to understand your needs and find the best solutions for you.
- Hassle-Free Process – We handle the paperwork and negotiations, making your experience smooth and stress-free.
- Trusted Experts – With extensive industry knowledge, we provide reliable guidance to help you make informed decisions.
- Competitive Rates – We work with a range of lenders and insurers to find the most competitive deals for you.
Get Started Today!
Whether you’re stepping onto the property ladder or looking for financial protection, Glass Ocean is here to help. Contact us today for a free consultation, and let’s secure your future together.
- We cover London and the South East
- Call Us Today
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