Carefully crafted. Seamlessly delivered.
Not every client fits a standard mould.
Unconventional income, non-traditional employment and longer working patterns means modern borrowing is complex, and that’s exactly where we work best.
If your client’s income is more complex than clear-cut, then our flexible lending criteria and bespoke mortgage underwriting could support whatever rung of the property ladder they want to be on.
What we mean by carefully crafted mortgages
Because we’re in the details, every Hodge mortgage is expertly tailored to fit your client’s life.
From our BDMs and underwriters to our research team and product designers, all with their ears to the ground, we create propositions to work around real borrowing.
We don’t want clients to squeeze themselves into boxes that don’t fit their lives or compromise on service. Our starting point is always the same: how can we make this work?
Watch our CPD-accredited video. It’s a practical, honest conversation bringing sales and underwriting together to help brokers find solutions for mortgages for clients with complex income.
Supporting complex income borrowers
We carefully craft mortgages around the individual. Through manual underwriting, open communication and expertise, we support brokers in finding the right outcomes for clients with complex income.
Our underwriters take the time to assess each case through manual mortgage assessment, going beyond tick-box criteria to understand how income works in practice, how it’s changing, and how it can support affordability over time.
As a specialist mortgage lender for brokers, we’re built to support early conversations and nuanced cases. If you’d like to talk to us about a complex case, our BDM team is always happy to help.
When income doesn’t follow a straight line, we support clients with:
- Blended income streams
- Self-employed or limited company income
- Contract, freelance or retained earnings
- NHS, medical and professional income structures
- Unconventional income or emerging professions
- Interest-only borrowing scenarios
- High LTV specialist mortgages where appropriate.
Manual underwriting and flexible lending
At Hodge, we underwrite on a case-by-case basis. That means real people, applying experience and judgement to each case.
And if something isn’t an immediate yes, it doesn’t automatically mean no. We’ll work with you to build the client’s full picture. This open-minded approach allows us to apply flexible lending criteria responsibly, while finding good outcomes for clients.
Click below for a real life case study of carefully crafted lending in action.
Built around partnership
We believe better outcomes come from working together.
Our BDMs and underwriting teams work closely together, in fact, they sit side-by-side in our Cardiff HQ. So, from early conversations to final decisions, we can always prioritise open communication and practical support to offer complex income borrower solutions.
Explore carefully crafted in action
Every Hodge mortgage is shaped with care, built on solid foundations and given attention to detail.
If you already work with us, you’ll recognise the approach. If you don’t, we’d love to explore how we can help with your next complex case.
Carefully crafted. Seamlessly delivered.
More on complex income mortgages
Find out everything you need to know about complex income mortgages.
Yes. We are a specialist mortgage lender for brokers and 100% broker-led. Our propositions are designed to support brokers and their clients through close collaboration.
Yes, we are an interest-only specialist lender and can offer IO solutions, subject to individual assessment.
Yes. All complex cases have a manual mortgage assessment by experienced underwriters.
A mortgage where income doesn’t fit a standard employed structure, such as multiple incomes, self-employed or unconventional earnings. Speak to your local BDM to find out more about mortgages for clients with complex incomes.