Mortgages
Mortgage Advice for Complex, Professional and Non-Standard Circumstances
Mortgage Advice
If your income, assets or circumstances don’t fit neatly into a standard mortgage application, you’re in the right place.
At CiK Finance, we provide clear, structured mortgage advice for people with complex income, professional careers and multi-property portfolios, including company directors, high net worth individuals, landlords and sports professionals.
We also support more straightforward mortgages, but our focus is on helping clients whose situations need a more considered, lender-led approach.
Mortgage Advice That Starts With the Bigger Picture
Many of our clients come to us because standard mortgage routes don’t reflect their real financial position.
Income may be structured across multiple sources, assets may outweigh salary, or future plans may need to be factored in. In these situations, the way a mortgage application is structured matters just as much as the product itself.
We take time to understand:
How income is earned, structured and controlled
Property ownership and portfolio position
Current mortgage arrangements and future plans
Any upcoming changes that could affect borrowing
This allows us to provide advice that’s realistic, appropriate and aligned with lender criteria, rather than forcing complex circumstances into simple models.
All mortgage advice is subject to eligibility, affordability and lender criteria.
Find Mortgage Advice That Fits Your Situation
If more than one option feels relevant, start anywhere, we’ll help you navigate from there.
Advice for directors paid through salary, dividends or retained profits.
Structured, discreet advice for asset-led or non-standard financial profiles.
Mortgage advice for landlords with multiple properties and portfolio-level assessments.
For athletes with short-term contracts or variable income.
For freelancers, contractors and business owners with non-standard income.
Reviewing your mortgage as your current deal comes to an end.
Supportive guidance for buying your first home.
Our Approach
We believe good mortgage advice should feel calm, clear and well-timed, particularly when circumstances are complex.
Our approach focuses on:
Explaining options in plain English
Taking a lender-led view from the outset
Considering both short-term decisions and long-term plans
Reducing unnecessary complexity wherever possible
We work with a broad panel of lenders, including those experienced in complex income, professional and portfolio lending.
Planning Ahead
Where income, contracts or portfolios change over time, planning ahead becomes especially valuable.
Reviewing your mortgage position early can provide:
Greater clarity around future options
More flexibility when deals are ending
Less pressure when decisions need to be made
You don’t need to be ready to act immediately to benefit from understanding where you stand.
Track My Mortgage
If your mortgage deal isn’t ending just yet, Track My Mortgage helps you stay one step ahead.
It’s a simple way to keep track of when your current deal is due to end and remind you to review your options at the right time, without pressure or obligation.
Speak to CiK
If you’d like clear, structured guidance on your mortgage options, particularly where income, assets or circumstances are more complex, we’re happy to have an initial conversation.
Book a short, confidential, no-obligation discussion
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage advice is subject to eligibility, affordability and lender criteria. Any mortgage recommendation would only be made following a full assessment of your circumstances.
Information correct at the time of writing.