Explain the income across projects
We start with employment or trading status, the contracts in place and the income shown in accounts and tax records. Agent fees, production costs and irregular receipts may explain why headline earnings differ from personal income. Royalties and repeat commercial work should have their own evidence; an anticipated role or future deal is not treated as confirmed earnings.
Use a clear route for sensitive information
An initial enquiry can stay concise. Detailed contracts, accounts and personal records should be shared through an agreed secure process. Where an agent or accountant helps, we confirm what they are authorised to provide.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Current production or commercial contracts
- Accounts and relevant tax records
- Royalty and appearance-payment history
- Agent fees and business costs
- Residence, deposit source and commitments
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Income acceptance, borrowing amount and term depend on the lender’s individual assessment. Future awards, distributions, business exits or asset growth are not guaranteed. Your home may be repossessed if you do not keep up repayments.
Your questions, answered
Do gaps between contracts rule out a mortgage?
Not automatically. The lender needs to understand the overall history and current arrangements; no approval is assumed.
Can my accountant or agent help prepare the file?
Yes, with your authority. Their evidence should clarify the relevant income, contracts and business structure.
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Preparation guide reviewed 11 September 2026. General information; individual lender assessment is required. Further reading: MoneyHelper: buying a home and mortgages.