SALARY + RETAINED PROFIT
Self-Employed & Company Directors
Borrow based on pre-tax corporate profit or day-rate contracts—even with only one year of accounts.
Explore routeAcorn Mortgage Desk · Residential, Regulated & Specialist Borrowing
Residential Mortgages Built Around Complex Lives & True Income
Whether you're a company director using retained profit, breaking a chain with regulated bridging, or helping family onto the ladder—we find the lenders high-street banks miss.
Five specialist residential routes
COMPLEX INCOME & RSUs
High-Net-Worth & Private Banks
Tailored private debt for vested stock options, multi-currency income, dry assets and £1M+ estates.
Explore routeBANK OF MUM & DAD
Family Booster & JBSP
Help children buy without parent Stamp Duty penalties using JBSP and equity springboards.
Explore routeSTOP CHAIN COLLAPSE
Regulated Chain-Break Bridging
Secure a new home before selling the current one with regulated short-term finance.
Explore route55+ HOME EQUITY
Later Life & Equity Release
Explore RIO or Lifetime Mortgages with no-negative-equity guarantees where applicable.
Explore routeAT
Adrian's specialist desk
Adrian Thompson — Senior Specialist Broker
Over 15 years specialising in consumer-regulated mortgages, chain-break bridging, and later-life equity release. Direct, jargon-free advice tailored to your exact situation.
Estimate your true borrowing power
Annual salary / profit£90,000
Indicative specialist range
£450,000–£495,000
Up to 5x–5.5x eligible true income. Subject to affordability, credit, age, term and property.
Get Official Agreement in Principle (AIP)Important Regulatory & Mortgage Notice
Acorn.mortgage (Trading style of Paul Thompson) is authorised and regulated by the Financial Conduct Authority (FCA #660207). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Equity release products and regulated bridging loans carry specific legal risks; full suitability assessments are conducted prior to any recommendation.