- ku.oc.ecnanifetavirpxepa@napib
- 0744 603 3022
Not every client fits neatly into a box — and that’s where Apex Private Finance excels.
We specialise in helping clients whose needs go beyond the high street, delivering tailored finance solutions that reflect the realities of modern life. Whether you have complex income, assets, or you require large-scale borrowing, our role is to provide clarity, creativity, and trusted access to specialist lenders.
We believe that specialist finance is not about fitting clients into products — it’s about creating solutions that fit clients.
With over 20 years in financial services and 10 years as a mortgage broker, we combine experience, market knowledge, and access to a wide panel of lenders to deliver options many clients didn’t realise were possible.
At Apex Private Finance, every complex case starts with a clear understanding. We look beyond payslips and standard affordability checks to build a full picture of your income, assets and liabilities, ensuring lenders see your financial strength.
We help clients with:
If this sounds familiar, you’re in the right place.
Get an instant idea of what you could borrow, even if your income isn’t straightforward! This is not a reflection on what is on offer, this will depend on loan size and current circumstances, this calculator only provides you an idea what on what you have input.
Our free mortgage calculator gives a quick estimate based on your details, helping you plan your next step with confidence.
A business owner and limited company director needed a mortgage to purchase a property in Birmingham. Although their accounts showed strong profitability, much of their income was drawn through a small salary and dividends, which how many lenders assess self-employment income. We worked with a lender who understood the realities of self-employment, using both salary and profits within their business. The client was able to secure the borrowing required without restructuring their business finances.
Specialist finance requires a bespoke approach. Whether you are a healthcare professional, self-employed business owner, or high-net-worth investor, we’ll work with you to build the right solution.
Contact us below or complete our form, and we’ll be in touch.
0744 603 3022
ku.oc.ecnanifetavirpxepa@napib
181 Hill Village Road,Sutton Coldfield,Birmingham,B75 5JQ
Securing finance when your income isn’t straightforward can raise plenty of questions. To make the process easier, we’ve answered the most common queries our clients in Sutton Coldfield ask about specialist and complex-income mortgages.
Complex income includes any earnings that don’t fit standard PAYE — such as dividends, company profits, bonuses, investment returns, or rental income.
Yes. We regularly help self-employed professionals and company directors secure mortgages using a mix of salary, dividends and retained profits.
Most lenders request two years of Business accounts, but we also work with specialist lenders and private banks that can consider one-year or case-by-case scenarios.
Yes — Apex Private Finance has relationships with private banks and boutique lenders who provide flexible underwriting and bespoke terms for high-net-worth and complex clients.
Many lenders reject foreign income, but we have access to private banks that can consider overseas earnings, provided they’re traceable and paid in a stable currency.
Yes. We regularly structure finance for landlords, investors, and those with portfolio or multi-asset income sources to maximise borrowing potential.
Usually, recent accounts, SA302s or tax calculations, bank statements, and details of dividends or retained earnings. We’ll guide you through everything step by step. We do request an extensive list of documents in order to research and understand your full current circumstances.
