Self employed
Securing a mortgage when you’re self-employed can be more complex, but with the right guidance and lender, it’s entirely possible to find a solution that suits your financial situation.
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Self employed mortgages
Being self-employed comes with many benefits, including flexibility and control over your income, but when it comes to securing a mortgage, it can sometimes feel like an uphill battle. Many lenders have stricter criteria for self-employed applicants, as they require proof of a stable income and financial reliability. However, just because you work for yourself doesn’t mean you can’t get a mortgage. With the right approach and guidance, securing a mortgage as a self-employed individual is entirely possible. Lenders assess your financial history differently, but there are plenty of options available to help you get onto the property ladder or remortgage your home.
Get mortgages, get better living
How we help secure a mortgage
Assessing Your Financial Situation – We review your income, trading history, and financial records to identify the most suitable mortgage options.
Access to Specialist Lenders – We work with lenders who understand self-employed income and offer flexible lending criteria.
Helping You Prepare Documentation – We ensure you have all the necessary paperwork, including tax returns (SA302s), bank statements, and proof of income.
Handling the Application Process – From submitting paperwork to liaising with lenders, we manage the entire process to make it as stress-free as possible.
Negotiating the Best Terms – We work hard to secure the best interest rates and mortgage terms that align with your financial goals.
How We Help You Secure a Self-Employed Mortgage
The key to a successful mortgage application is demonstrating consistent earnings and financial stability. Lenders typically require two to three years of trading history, tax returns, and bank statements to assess affordability. Some specialist lenders are more flexible, considering applicants with shorter trading histories or fluctuating income. Whether you’re a sole trader, limited company director, freelancer, or contractor, we work with lenders who understand the nature of self-employed income and are willing to offer tailored mortgage solutions that suit your unique circumstances.
How It Works
Let us help you get a mortgage today
Step 1
Initial Consultation
Our initial consultation is a free, no-obligation meeting where we take the time to understand your needs and financial situation, providing advice on the best mortgage or insurance options available to you.
Step 2
Document Collection
Our document collection process ensures that we gather all the necessary paperwork efficiently, helping to streamline your application and provide a smooth and timely approval process.
Step 3
Evaluation and Approval
During the evaluation and approval process, we carefully review your application and documents, working with lenders to secure the best possible offer and ensure a smooth path to final approval.
Step 4
Disbursement Process
This involves the transfer of funds once your mortgage is approved, ensuring that the agreed amount is paid directly to the appropriate parties, such as the seller, lender to complete the transaction.
Tips to improve your chances of getting a mortgage
Keep Your Financial Records Organised – Ensure your accounts, tax returns, and bank statements are up to date and accurate.
Increase Your Deposit – A larger deposit can help improve your mortgage eligibility and secure better interest rates.
Maintain a Healthy Credit Score – Pay off outstanding debts and avoid missed payments to improve your credit rating.
Minimise Business Expenses Where Possible – Declaring higher profits can strengthen your affordability assessment with lenders.
Work with a Mortgage Broker – Expert guidance can help you find lenders who cater to self-employed applicants and simplify the process.
Make an Appointment
Leave us a message and one of our team will be happy to help.
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