Insights

The Complex Income Desk

Short reads on how lenders assess company directors and the self-employed, and what can change the answer.

17 Aug 2026 · 2 min read

Own under 20% of your company? Some lenders stop counting your dividends

Why a minority shareholding can quietly shrink your mortgage.
12 Aug 2026 · 2 min read

The income tax trap that shrinks your mortgage

Why keeping your income low can quietly cap your borrowing.
12 Aug 2026 · 3 min read

When your income lives in four companies, not one payslip

Why the high street sees a fraction of what you really earn.
12 Aug 2026 · 2 min read

Your best year yet, averaged away by the lender

Why growing businesses get short changed on borrowing.