Specialist Mortgages

At Darlington Building Society we are passionate about providing a mortgage that is right for you. We have expert mortgage advisors available in the branch who will take you through the process, explaining all you need to know and providing you with suitable solutions. Every mortgage application is considered individually and we use people, not computers to make our decisions so you can be sure that your needs will be listened to and understood.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Complex Income

We define Complex Income as anything that sits outside our standard lending criteria and we would encourage you to speak to one of our advisors regarding your individual circumstances. The below list shows examples of what we would class as complex income but this is by no means the exhaustive list.

What does complex income mean?

  • Your income from employment or self-employment is provided using SA302 forms (benefits and maintenance will be deemed as standard)
  • You are a contractor using anything other than a simple day rate of x no. of days x 46 weeks (for example if you are a CIS contractor or have less than a year’s experience contracting)
  • You are paid in a foreign currency that is in the Society’s accepted list of currencies
  • Your income is made up of other alternative non-standard sources of income include vesting shares, trust, investment, SIPP, property portfolio, foreign pension and others
  • You are a newly qualified professional(s) who requires more than 4.5x income (max 6x)

At Darlington Building Society we underwrite to borrowers' personal circumstances as we are aware that it can be a challenge to get a mortgage when your personal circumstances don’t fit into the standard criteria that mortgage providers typically ask for.

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Complex Property

This is where your property has unusual characteristics, which may include being listed, of non-standard construction or have significant acreage (>10), outbuildings or significantly restrictive covenants or planning conditions.

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A residential mortgage where you currently rent, or intend to rent a room to a lodger under the government’s rent-a-room scheme (which allows up to £7,500 per annum to be earned tax free).

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Lending into Retirement (interest only)

A selection of interest only mortgages which cater for situations where your mortgage term will continue beyond your projected retirement date or where you require a mortgage when you have already retired (or have reached 70 years of age).

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Want to speak to a friendly staff member?

Sometimes it's easier to discuss things face-to-face. All our branches have staff ready and waiting to talk. If you’d like to discuss your options or you think you need help, call in at your local branch.

Branch finder

Alternatively call our enquiries line between:

9am and 5pm Monday to Friday (9:30am and 5pm Tuesday) or
9am and 12pm on Saturday

Our staff will be more than happy to help with any questions or queries

You can pay your mortgage or any fees via direct debit online.

Pay your mortgage or fees online