Complex Income Mortgages,
Solved by Richards & Logic.
The bank said no because of your tax efficiency. We use your Retained Profits and Day Rate to say yes.
Our Specialist Service Areas
Retained Profit Mortgages
Most lenders see your tax return. We see your retained profits, director's loans, and growth trajectory. That's the difference between rejection and approval.
Day Rate Mortgages
Day rate × working days = real income. We connect you with lenders who understand contract work, not those stuck on "employed" or "self-employed" checkboxes.
Company Director Mortgages
Low salary, high dividends? We know the lenders who assess net profit plus salary — not just what you choose to draw. Your accounts tell a story. We make lenders listen.
The Logic Check
Not a rate calculator. A feasibility assessment for your income structure.
Through our relationship with Echo Finance, enquiries can access:
Meet Your Specialist Broker
Not a call centre. Not a generalist. A named expert who fights for complex income approvals.
Most brokers are generalists. They fill in forms and wait for a computer to say yes or no.
Hayden reads your accounts like a forensic accountant, understands your tax efficiency strategy, and speaks directly to the underwriters who make the final decision. When the high street says no because of your “low declared income,” Hayden uses your Retained Profits and Day Rate to get you approved.
You don't need a generalist broker. You need a specialist who speaks the language of complex income.”
— Hayden Richards, CeMAP
A structured process designed for complex cases. No guesswork.
Just logical, methodical progress to approval.
Request Your Eligibility Audit
Answer a few questions about your income structure. This isn't a rate calculator — it's a feasibility assessment.
The Forensic Verification
An expert adviser will contact you to verify the nuances of your income. We need to validate your data before we argue your case to underwriters.
The Strategy Report
Once verified, we present a tailored mortgage strategy. We show you exactly which lenders will accept your income structure and what rates are achievable.
Application to Keys
If you choose to proceed, we handle the entire application process, chasing solicitors and managing the paperwork until completion.
Ready to discover what's actually possible?
Start Your Eligibility AuditReal Outcomes. Verified Reviews Coming Soon.
We're currently collecting verified client reviews through Google. In the meantime, if you'd like to speak to a previous client about their experience, we can arrange that on request. Every case we take on is treated as a bespoke business case — your situation, your accounts, your lender strategy.
Transparent Pricing
Choose the service level that matches your complexity. We believe in value, not hidden fees.
Standard Residential & Buy-to-Let
Fast, efficient, digital-first service for straightforward applications.
Returning clients: £449 Loyalty Rate
- PAYE Employees
- Standard Remortgages
- Product Transfers
- Broad Panel Search
- Digital Document Upload & Remote Handling
- Best for speed and simplicity
Specialist & Complex Income
Forensic case packaging and manual underwriting for non-standard applicants.
Capped at Min £999 - Max £1,999
- Ltd Co Directors
- IT Contractors
- Ex-Pats / Foreign Income
- Adverse Credit
- Manual Underwriting: We build a bespoke business case for the lender.
- Forensic Income Analysis: Retained profits, 1-year accounts, foreign income.
- Priority Access: Includes Face-to-Face Consultation (if desired) and dedicated case ownership.
- No Win / No Fee commitment.
Just a few of the lenders we quote
From high street giants to specialist niche lenders.
Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.
Frequently Asked Questions
Logical answers to your complex lending questions.