Category: Self-Employed Mortgages

Denied by High Street Banks? A Guide to Specialist UK Mortgages for Complex Income and Self-Employed

February 27, 2026

Specialist mortgage options can support borrowers with complex circumstances such as irregular income, credit history challenges, or non-standard properties. When standard criteria may not fit Some borrowers find that high street lenders are unable to accommodate their circumstances due to strict policy rules or automated assessments. This does not mean a mortgage is impossible. Different lenders assess risk in different ways. Many specialist lenders take a broader view of financial history and individual circumstances.