This service is designed for:
• Ltd company directors
• Self-employed business owners
• Day-rate contractors (IT, engineering, construction, medical)
• Clients with complex or irregular income
• Those declined or under-assessed elsewhere
If your income doesn’t fit neatly into a PAYE box, this page is for you.
Many lenders assess business owners incorrectly.
I structure cases using the most favourable lender-approved method, which may include:
• Salary + dividends
• Net profit after corporation tax
• Retained profit
• Day-rate contractor calculations
• Director remuneration
The method used can make a six-figure difference to borrowing power.
✓ Lender-ready income analysis
✓ Access to specialist lenders
✓ Clear, jargon-free advice
✓ Accurate affordability before applying
✓ Full case management to offer
✓ Direct communication with underwriters, solicitors & agents
No fluff. Just outcomes.
£695 fixed broker fee
Payable only at application submission — not upfront.
This covers full income analysis, sourcing, lender-ready packaging, application submission and case management through to offer.
Step 1: Free assessment call
Step 2: Secure document upload
Step 3: Lender-ready income assessment
Step 4: Clear mortgage recommendation
Step 5: Application submitted (fee payable here)
Step 6: Mortgage offer issued
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT
Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Your Mortgage Ghai is a trading name of IG Financial Services Ltd . IG Financial Services Ltd is registered in England (14926400). Our registered office is 216 Compton Road Wolverhampton, WV3 9JX. IG Financial Services Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 15595419.
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