Our Services
Tailored Mortgage Solutions for Complex Income Structures
Finance That Fits How You Actually Earn
At Limitless Finance, we know traditional lending doesn’t always work for modern careers. If a large part of your income comes from RSUs, bonuses, contracting, or self-employment, we’re here to help.
We specialise in securing mortgage approvals for clients with complex income structures, working with lenders who understand and value non-traditional earnings. We know how to present your income clearly to the right lenders, navigating the process smoothly to secure competitive mortgage terms without delays, confusion, or compromise.
Our Process
Initial Consultation
Research
Feedback
Decision in Principle
Submitting to the Lender
Getting your Offer
Getting your Keys
Protecting you, your home and your loved ones
Lifetime support
Our Services
RSU & Bonus Income
Tech giants and investment banks pay in far more than salary alone—Amazon, Google, Meta, JPMorgan and the big consultancies all load compensation with RSUs, cash bonuses and profit-share. The snag? Mainstream lenders still find equity awards and variable bonus income “new and scary,” so they discount or ignore them altogether.Limitless turns those variable earnings into solid borrowing power. We speak the language of share-vesting schedules and deferred bonuses, translate it for underwriters, and match you with the best RSU-friendly lenders. The result: bigger approvals, fee-free advice, and a mortgage that reflects your real income.
Contractor Mortgages
Day-rate life gives you flexibility—but it also trips up traditional banks that insist on two-plus years of accounts. We do things differently. Whether you’ve just landed your first contract or have years on the clock, we annualise your day rate, present it to a panel of contractor-savvy lenders, and secure an offer—often within 24 hours. From IT consultants to locum doctors, our fee-free service has delivered a 99.5 % submission-to-offer success rate without asking clients to restart PAYE or umbrella their income.
Self Employed Mortgages
Running the business shouldn’t stop you owning the home. Limitless treats retained profits, dividends and CIS vouchers as the income they genuinely are—no unfair hurdle, no punitive haircut. We pair that data with lenders who understand entrepreneurial cash flow, unlocking up to five-times borrowing even when your salary is modest. With personal guidance from a specialist self-employed adviser, you keep more cash for your deposit and still get a market-leading rate—zero broker fees attached.
Get your free income calculation here now
Why us?
99.5
%
Of applications approved
£
500
M
Worth of lending so far this year
2022
Best broker - Specialist Lending
2024
Best broker - customer excellence
We work with over 100 lenders, including these:
