Free guide · PDF · 12 pages
Mortgages for Influencers Guide
Brand deals, platform pay and limited companies: how lenders assess creator income and how to prepare.
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Frequently
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Mortgages for Adult Content Creators
Your income,Fairly assessed.
Many lenders will not consider income from adult content. Some will. Creators on OnlyFans, Fansly and similar platforms are often declined for reasons that have nothing to do with affordability. We know which lenders accept this income, how each assesses it and how to present your accounts, with every enquiry handled discreetly and without judgment.
How we help
We act for creators across subscription, clip and live-streaming platforms, whether you trade as a sole trader or through a limited company, and whether creator income is your only income or sits alongside a job.
01Lenders that say yes
We go straight to lenders that accept adult content income, so you avoid declines and unnecessary credit searches.
02Sole trader or company
We show how lenders read your tax returns or company accounts, including salary, dividends and retained profit.
03Growing or irregular income
Some lenders use your latest year where income has grown, and some accept one year of trading. We know which.
04Discreet throughout
We correspond in the way you prefer and keep details of your work to what lenders need to see.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
Scenario 01Two years as a sole trader
A creator with two years’ tax returns showing rising profit has been declined by their own bank.
We approach a lender that accepts the income and uses the latest year, increasing the amount available.Scenario 02A creator with a limited company
A creator pays a small salary and dividends and leaves the rest of the profit in the company.
We find a lender that assesses the share of net profit, so retained profit counts towards borrowing.Scenario 03A job plus creator income
A part-time employee earns more from content creation than from their job.
We present both incomes to a lender that accepts each, rather than relying on the salary alone.Frequently
asked questions
Do I have to tell the lender how I earn?
Yes. Lenders see the source in your bank statements and accounts, and misdescribing income is mortgage fraud. We apply only to lenders that accept it.
Will I pay a higher rate?
Sometimes, though the difference is often small, especially with a larger deposit and a good track record.
Can I get a mortgage with one year of accounts?
Possibly. Most lenders want two years, but a smaller number consider one full year.
Will you judge my work?
No. Your income is legal, taxable self-employed income, and we treat it that way.
Can I buy through a limited company?
For buy-to-let, yes. For a home you live in, the mortgage is in your own name, but your company income can be used.
Related reading: Can adult content creators get a mortgage? · Mortgages for Influencers Guide · Self-employed mortgages
Reviewed by Thomas Boughton CeMAP, November 2026.
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Tell us where you are in your flying or seagoing career and what you would like to buy or refinance. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Lending is subject to status, lender criteria and individual circumstances.