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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.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
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.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
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.
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, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Our team are here to help
Our professional advisors would be delighted to speak with you and discuss your requirements.
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