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Complex Income
Our complex income mortgage service finds tailored lending solutions for borrowers whose income structures can be overlooked by mainstream lenders.
At Panthera Finance, our expert mortgage advisors understand how to present non-standard income to lenders, ensuring that each client’s true borrowing potential is realised.
What is a complex income mortgage?
Complex income mortgages are a sophisticated type of property finance that is designed for borrowers with non-standard or complicated income structures.
Qualifying for a complex income mortgage
Many of our complex income mortgage clients are professionals with short-term employment contracts, high-earning self-employed or freelance workers, individuals who work overseas or earn in a foreign currency, or specialist professionals such sportspeople, musicians and actors.
Mortgage clients with complex income
We also arrange mortgages for entrepreneurs, business owners and C-suite officers who receive executive salary packages, bonuses or target-based remuneration, and individuals whose income comes from non-earned sources, such as invested assets, family trusts or property portfolios.
How to obtain a complex income mortgage
Traditional lenders may struggle to assess eligibility for clients who do not earn in the usual way. By engaging with Panthera Finance, you will be partnered with a specialist complex mortgage advisor who will submit a comprehensive credit proposal to the most suitable lender, ensuring that non-standard and irregular earnings, bonuses, commissions, stock options and assets are considered holistically when assessing your mortgage affordability.
Panthera Finance: Complex income mortgage advisors
Our knowledge and expertise in complex mortgage lending means we understand how to present these forms of earnings to lenders' key decision-makers, helping you to achieve the optimum level of mortgage borrowing.
Ready to get started? Speak to our expert team today.
Meet our dedicated team
Meet the specialists who understand how to navigate complex income structures.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
David Habib
Associate Director
In his 20 years as a finance broker for both domestic and international clients, David has advised clients ranging from first-time borrowers to high-net-worth individuals and property developers of all levels of experience.
David utilises his strong relationships with mainstream banks, specialist lenders and private banks to structure tailored finance solutions across residential, buy to Let, bridging, commercial and development sectors, while also advising on protection to safeguard clients’ assets.
Committed to exceptional service that aligns with each client’s needs, he has arranged funding for some of London’s most prestigious multi-million pound estates.
Away from work, David enjoys spending time with his wife and son and following his lifelong passions for cricket, Arsenal Football Club and Formula One racing.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Alice Davis
Mortgage Advisor
With 9 years’ experience in financial services, Alice has extensive knowledge of the newbuild market and has worked closely with property developers from all over the UK.
She builds and nurtures strong relationships with clients, developers & lenders and this enables her to deal with a wide range of complex scenarios and to find homes for cases that would otherwise be hard to place.
As well as financing newbuild purchases, Alice specialises in finding mortgages for first time buyers & foreign nationals and in arranging buy-to-let mortgages for portfolio & professional landlords.
Outside of work, Alice is a keen painter and 70’s rock music fan. Prior to moving to London from Sheffield, she was a keen equestrian and sang in a band.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée and daughter, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Will Gleeson
Associate Director
With 12 years’ experience working within financial services, Will has advised clients on behalf of a wealth management firm and a boutique mortgage advisory business.
He thrives on connecting clients with tailored financing and debt solutions that align with their unique financial goals and specialises in debt structuring and alternative lending, supporting clients with both typical and more challenging borrowing needs.
Drawing on a deep understanding of debt markets and a strong network of financial institutions, Will helps individuals and businesses navigate complex debt situations, securing competitive terms and accessing funding that might otherwise be out of reach. Clients and lenders value his results-driven approach, transparent advice and unwavering client advocacy.
Outside of work, Will enjoys spending time with his two young children and beloved labrador. When family life permits, he can also be found on a rugby or cricket pitch.
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Our professional advisors would be delighted to speak with you and discuss your requirements.
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