Self Employed Mortgages
Helping you to find lenders who offer self-employed mortgages
We understand the difficulties borrowers experience when trying to secure competitive deals for self-employed mortgages. Proving your income isn’t always a straightforward process, particularly if you’ve only started up your company in the last few years.
In the past, self-employed workers could apply for a “self-cert” mortgage which allowed them to simply tell the mortgage lender what they earned. These types of mortgages no longer exist and lenders now require you to show at least one year’s accounts or SA302s. The amount you will be able to borrow is generally dependent on your last few years’ profit, so the more accounts you can show the better.
Before using a comparison website or remortgaging with your current lender, you should speak to a qualified Mortgage Adviser to ensure that you are aware of the latest competitive deals. Our team can access most lenders and have many years of experience working with self-employed borrowers. We know based on your income, accounts and needs, which self-employed mortgage lenders to approach.
We understand the issues and frustrations that professionals face on the high street:
- self employed mortgage requirements and tax returns often seem at odds with each other.
- An irregular source of income or lack of trading history compounds the problem.
- Then try getting a self-employed mortgage with only one years accounts
Even if you have applied direct and failed we can often help our extended list of lenders. Furthermore we’ll make the process as simple, hassle-free and painless as possible by: Getting the best self employed mortgage for your needs!
Our clients range across the self-employed spectrum. We work with:
- Sole traders.
- Company directors and partnerships.
- limited company contractors.
- Umbrella company workers.
All have specific self-employed mortgage requirements, based on their unique circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage