The lender has introduced a new category, RL0, with fixed rates from 2.84%.

This category is available across the lender’s purchase and remortgage ranges and will cater for those individuals with complex incomes.

Steve Griffiths, sales and product director at The Mortgage Lender, said: “The self-employed and those with untraditional income streams are becoming more and more common in the UK- but the lending industry has failed to adapt as quickly to this trend.

“Our new RL0 product range will offer competitive pricing for borrowers that don’t have adverse credit history but do have complex incomes.

“We are pleased to be supporting these customers by taking a RealLife approach to affordability such as using pre-COVID accounts where appropriate, as well as 100% of bonus and overtime for employed borrowers.