Yes, many online mortgage brokers do handle complex cases, including self-employed applications, adverse credit, multiple income sources and unusual property types. The complexity of a mortgage case is not determined by whether advice is delivered online or face-to-face, but by the experience of the adviser and their understanding of lender criteria.
This article explains what counts as a complex mortgage case, how online mortgage brokers support these situations, and what borrowers should look for when choosing an adviser.
What is considered a complex mortgage case?
A mortgage application may be considered complex if it falls outside standard lending criteria or requires additional assessment by lenders.
Common examples include:
- Self-employed or contractor income
- Multiple income streams
- Irregular or variable earnings
- Credit history issues
- Remortgaging with additional borrowing
- Unusual property types or construction
- Older borrowers or later-life lending
These cases often require more detailed fact-finding and careful lender selection.
Can online mortgage brokers advise on self-employed mortgages?
Yes. Many online mortgage brokers regularly work with self-employed borrowers.
They understand how different lenders assess income from:
- Sole traders
- Partnerships
- Limited company directors
Online brokers often use digital systems to review accounts, tax calculations and supporting documents securely, making it easier to manage complex income structures without face-to-face meetings.
What about adverse credit or credit history issues?
Online mortgage brokers can and do advise borrowers with credit history issues, provided they have experience working with specialist lenders.
This may include cases involving:
- Missed payments
- Defaults or CCJs
- Debt management plans
- Historic financial issues
What matters most is the adviser’s knowledge of lender criteria and how credit issues are viewed over time, not the delivery method of the advice.
Do complex cases require face-to-face meetings?
Not necessarily.
While some borrowers prefer face-to-face meetings for reassurance, complex cases can often be handled effectively through online systems and video appointments. Secure portals allow documents to be reviewed carefully, and video calls can be used to explain options in detail.
For many borrowers, this approach is just as effective as in-person meetings.
Are online brokers restricted to simpler lenders?
No. Online mortgage brokers can have access to the same specialist lenders as traditional brokers.
Some online brokers focus specifically on complex cases and build strong relationships with lenders that cater to non-standard situations. Being “online” does not limit lender access by default.
However, not all online brokers specialise in complex cases, so it’s important to check experience upfront.
How do online brokers assess complex cases?
Online mortgage brokers typically carry out a detailed digital fact-find to understand your circumstances fully. This may include:
- Reviewing income documentation
- Assessing credit reports
- Understanding future plans and affordability
- Matching your profile to suitable lender criteria
Digital tools can make this process more efficient, but the judgement and expertise still come from the adviser.
Are complex cases more likely to involve broker fees?
Sometimes.
While all mortgage brokers receive a procuration fee from the lender, some advisers charge an additional fee for complex cases to reflect the extra work involved. This is not specific to online brokers and applies equally to traditional advisers.
Any fees should be explained clearly before you proceed.
What should you look for in an online broker for a complex case?
If your situation is more complex, look for an online mortgage broker who:
- Has experience with similar cases
- Is transparent about lender access
- Explains options clearly
- Uses secure systems for document handling
- Offers sufficient time and support
Choosing the right adviser matters more than whether advice is delivered online or face-to-face.
Are complex cases slower when handled online?
Not necessarily.
In some cases, online systems can speed things up by reducing paperwork and allowing documents to be shared quickly. Delays usually arise from lender underwriting or third-party processes rather than how advice is delivered.
A knowledgeable broker can help manage expectations and keep things moving.
Is online advice suitable for your situation?
Online mortgage advice can be suitable for both straightforward and complex cases, as long as the adviser has the right expertise.
The key is matching your circumstances to the broker’s experience, rather than assuming complexity requires a traditional approach.
Looking for online mortgage brokers who handle complex cases?
If you’d like to compare advisers who use online systems and have experience supporting complex borrower circumstances, our Best Online Mortgage Brokers guide highlights firms selected for their expertise, transparency and digital delivery.
