Employment & Income Related
When your income doesn't come from one steady payslip
Overview
Whether you're self-employed, a contractor, or simply have income that doesn't come from a single standard salary, this is the most common source of complexity we see — and it's where lender choice matters most. We know which lenders assess which income types most favourably, rather than declining anything that doesn't fit their standard form.
Contractors & Day-Rate Income
Day rate annualisation across specialist lenders — some using 46, 48, or even 52 weeks
Limited Company Directors
Salary plus dividends, or full company profit — we know which lenders use which approach
Sole Traders & One Year's Accounts
Solutions based on your SA302s and tax year overviews, including lenders who accept just one year of trading history
Multiple or Irregular Income
Bonus, commission, overtime, second jobs, benefits, or foreign income that automated affordability models struggle with
Why Choose Domus Finance?
Lender Knowledge
We know which lenders assess your specific income structure most generously
Case Packaging
Your application presented in the strongest possible light from the outset
Whole of Market
Access to specialist lenders and products unavailable directly
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.