We look forward to working with Pinpoint Financial Services for many years to come. Thank you again, Keith – wishing you and your team all the very best for the…
Keith Humphreys
Fantastic experience with Keith at Pinpoint. I have previously used mortgage brokers and found Keith has taken this business to a different level. Very professional, efficient and so easy to…
5 Stars!
A special thanks goes to Keith, whose advice and expertise throughout the process have been nothing short of excellent.
What stood out most was the high level of communication and prompt response times – both of which are crucial when dealing with financial matters.
Very impressive service, no messing about with questionnaires. Straight forward and honest appraisal. Thank-you very much Keith for all you did. I will recommend your service to friends and family.
Excellent. Made the whole process much easier than I thought. Thank you.
Great service helping to source suitable finance for a complicated portfolio
Great service- so quick and very helpful
Keith was always approachable, knowledgeable, and went the extra mile to ensure we had the right products and full clarity at every stage.
Keith and his team have done a fantastic job at helping us buy our house. He found us the best mortgage available that suited our budget and did everything he…
Keith was very supportive and helpful especially when we had a bit of complicated issue to sort out. He was on the ball and got it sorted.
Fantastic service, I highly recommend.
Fantastic service very professional halved my Morgage repayments very happy
Keith has been amazing from our first contact. Listening and advising what was the best deal for me. Really happy with the service and would highly recommend to friends and…
Great experience with PinPoint Finance- highly recommend!
Keith was really efficient, great communication and resolved a complicated issue with my mortgage. I would highly recommend his services.
Have used Pinpoint Finance several times now. Keith and the team once again offered great advice and help throughout. Would highly recommend!
Very helpful & informative with information & answers to questions
We’ve recently worked with Pinpoint Financial Services for support with buy-to-let mortgages and couldn’t be more pleased with the service provided.
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
From start to finish i have been very pleased with the way Keith handled my case. He kept me informed all the way so I didn’t have to worry about…
Great customer service. Very much appreciated the way Keith helped in pushing things through at each stage to a successful completion.
Keith was able to explain what my best options were, and wasn’t at all pushy. I’ll definitely be contacting Pinpoint again in the future for all of my Commercial Finance…
Excellent service from Pinpoint. They are very responsive. They are highly knowledgeable and professional but equally they take a very human approach, have excellent people skills and treat you as…
Contacted Keith at Pin Point Finance. The call was answered promptly and Keith was friendly and approachable. He listened to my circumstances and gave advice in a way I could…
Pinpoint Finance sorted remortgage for me. It was not easy task as i was in India but Keith on my behalf got things moving and eventually got it done.
Complex Income Mortgages When Your Income Isn’t Straightforward
Not everyone earns the same way every month, and that’s perfectly fine. Whether you’re self-employed, contracting, juggling multiple roles, or paid through bonuses or dividends, you can still get a complex income mortgage. At Pinpoint Finance, we specialise in complex income mortgages for clients across York, Yorkshire and the UK.
What is a Complex Income Mortgage?
A complex income mortgage is simply a mortgage where your income doesn’t come from one straightforward PAYE salary. You may fall into this category if:
You’re self-employed with fluctuating income
You work freelance or on fixed-term contracts
Your pay includes commission, bonuses or overtime
You have multiple jobs or a mix of PAYE and self-employment
Your income includes Child Benefit, Universal Credit, DLA or other benefits
You’ve recently started trading and only have one year of accounts
You’ve returned to work or recently changed your employment status
Even when your income is high and sustainable, some lenders struggle to assess it correctly. That’s where our expertise in complex income mortgages makes a difference.
Lenders We Work With May Accept:
Contract income based on day rates or fixed-term agreements
Self-employed income with one year of trading
Dividend income from limited companies
Mixed PAYE and freelance earnings
Benefit income as part of your affordability
Maintenance payments and pension income, if regular and documented
We’ll help you gather the right documents, understand what lenders will accept, and match you with those who take a flexible approach to complex income.
Why Do Some Lenders Get Complex Income Mortgage Cases Wrong?
Most high-street lenders prefer the simplicity of standard payslips and long-term employment. If your situation doesn’t fit their narrow criteria, you may face a decline, even if you can clearly afford the mortgage.
We regularly help clients who were rejected elsewhere because their income was “too complex”. With the right lender and the right packaging, a complex income mortgage can be straightforward.
We know which lenders take a modern, realistic approach to income, and how to present your case to maximise your chances of approval.
Lenders we work with may accept:
Contract income based on day rates or fixed-term agreements
Self-employed income with one year of trading
Dividend income from limited companies
Mixed PAYE and freelance earnings
Benefit income as part of your affordability
Maintenance payments and pension income, if regular and documented
We’ll help you gather the right documents, understand what’s achievable, and access the lenders who take a more flexible approach.
Personal Advice for Complex Income Mortgages
Every client is different. Whether you’re buying on your own, with a partner, or through a company, our advice is based on your real financial picture — not a tick-box system.
Our goal is simple:
Make complex income mortgages simple, understandable, and achievable.
Frequently Asked Questions on Complex Incomes
Here are the questions we’re asked most often about complex income mortgages and how lenders assess complex income
Yes, certain lenders accept benefits such as Universal Credit, Child Benefit and Disability Living Allowance, particularly when they’re regular and well-documented. Often, this income is used alongside other earnings – but not always. We’ll explain what’s possible and only recommend options that are suitable and affordable for your circumstances.
We’re fully FCA regulated and act in your best interests, giving you advice that’s clear, impartial and tailored to your situation.
Some lenders will consider applicants with just one year of accounts, especially if you’ve got experience in the same line of work. We’ll help you figure out whether now’s the right time to apply.
Not necessarily. If your credit and financials are strong, you can access competitive rates similar to those of employed applicants. The key is documentation and lender match.
Based in York, Helping Complex Income Clients Across the UK
Whether you prefer a face-to-face meeting at our York office or want to arrange everything remotely, we’ll support you throughout the process.
✔ Specialist advice
✔ Access to flexible lenders
✔ Straight-talking guidance at every step
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