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Mortgages for the Self Employed

Some lenders might be cautious if you’re self-employed, but to us it means you’re committed and self-sufficient. We can work together to get the right mortgage for you.

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Helping You to Own Your Home

There is generally no mortgage product designed specifically for self-employed people. You will typically get a normal mortgage, but there may be a few more hoops for you to jump through. Don’t worry, we can offer plenty of honest advice and guidance to take you through it step by step.

Step 1

Make Sure Your Accounts are in Order

Most lenders are happy to offer mortgages to self-employed people who have been trading for two or three years and can provide accounts for this period to prove their sustainability. Some are even happy to work on just one year of history. Just because you’re not getting paid to work for somebody else doesn’t mean you have an uncertain income. If your books are in order and you have regular work, then you’ll be most of the way there.

We’ve Got You Covered

We’ll know exactly which lenders to deal with to get you the most suitable mortgage for your situation, and the best options available to suit your aims and budget. Lenders are like clients – each has their own personality and priorities – and we know them all well enough to find the right one for you.

Step 2

Prove Your Income

As well as your accounts, you’ll need to have everything else ready as well. A sizeable deposit or a good amount of equity is a great trust-builder, as is a good credit history however neither are necessarily a must. And be prepared for any questions from the lender – if they ask about a periodical dip in income, you will look so much better if this can be readily explained via your mortgage adviser or accountant.

You’re Not Alone

You’re not the only person to have been in this position, and we’ve helped many others find a mortgage while they were self-employed. Do you need to talk to an accountant or solicitor as well? We have a network of trusted professionals we would be happy to recommend.

Step 3

Let’s Get Started

Get in touch with your local branch and speak to one of our experienced advisers. They will be more than happy to go over all of the above and more. Getting a mortgage when you’re self-employed doesn’t have to be complicated. Let us do the hard work for you.

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