Complex lending

Need To Know
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Your clients + our solutions = complex lending success

Complex lending is a core part of who we are.

Our parent company, TBS, set out to buck a trend and help borrowers seen as unattractive prospects by high street lenders back in the 60s.

We applied those rebellious founding principles to the modern mortgage market and created an intermediary lending business centred around complex lending: TFI.

We specialise in lending to mass affluent/ HNW borrowers with unusual incomes, buying atypical property, with 'timing' issues or whose age means they're considered 'non-standard'.

We're especially good at solving cases with multiple complexities - we call it the TFI sweet spot.

Together we can help borrowers who want to:

  • Solve a short term borrowing need
  • Secure lending on the basis of atypical income
  • Buy a more unusual property
  • Borrow more than standard income multiples
  • Borrow jointly with family where there are complex needs

TFI lending highlights include:


  • Loans of up to £1.5m (potential exceptions with credit committee approval)
  • Mortgages up to 80% LTV
  • Interest only lending available up to 70% LTV
  • Mortgages for up to 6 times income (where evidenced earnings exceed £200k per annum)
  • Bonus acceptance = 75% (for financial services professionals)
  • Ability to evaluate a range of financial assets for income, monetising wealth for affordability

Got a case that can hit our sweet spot?

Get in touch with the TFI team today

Complex criteria overview

Read more about our complex lending solutions

Case agreed

Read about some of our recently agreed cases to get a flavour of what TFI can do