Welcome to Episode 17 of 'Inside Property & Finance'! In this episode, hosts Steve Hand and Paul Rawson from Express Mortgages delve into the intriguing world of non-standard income sources. With a staggering 40% of the population deriving income from unconventional channels, understanding how to navigate the complexities is crucial.

Tune in as Steve and Paul reveal the challenges faced by clients seeking maximum borrowing for mortgages, whether it's for residential properties, buy-to-let investments, or bridging and development projects. The spotlight is on non-standard income streams, including complex income, self-employed earnings, and multiple sources of income.

Ever wondered about the hurdles faced by side hustles? Not all lenders embrace 100% of income from these ventures. And for the self-employed, the misconception of needing three years' worth of accounts is debunked – Steve and Paul set the record straight on what lenders really require.

Discover why turning to a broker is essential for non-standard income situations. While your own bank might suffice for using a fraction of additional income, a non-high street lender may be the key when you need to factor it all in. Luckily, Express Mortgages have exclusive access to such lenders that the general public may not be aware of or even have access to themselves.

But it's not just the self-employed facing challenges. Complex income affects the employed too, especially when it comes to overtime, bonuses, and allowances. Unravelling the intricacies of an NHS payslip may just make your head spin!

And for those with unique side hustles, fear not – whether you're selling photos of your feet or engaged in any unconventional income-generating activity, Express Mortgages’ mission is to find a lender who will recognise and consider it.

Don't miss out on the insights and valuable tips shared in Episode 17. It's a must-listen/watch for anyone earning non-standard income. Subscribe now and stay informed!