020 8629 0933

allan@finance4homes.co.uk

Have you been turned down for a mortgage due to being unable to provide 3-years accounts?

We have relationships with mortgage lenders who will consider just 1 year’s accounts, even if you have a poor credit score.

  • We have access to 1,000’s of mortgages from all the specialist lenders, which means we will be able to find the best deal for you.
  • We have over 35 years of experience and the expertise to help those declined by the “High Street Lenders”.
  • You could be able to reduce your monthly outgoings by consolidating outstanding debt.

Book a free mortgage consultation now

Fill in your details below and one of our mortgage experts will contact you to discuss your options and help you choose the most appropriate deal.

Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

SELF-EMPLOYED MORTGAGES

Being your own boss has many advantages, but it still has a lot of challenges when trying to obtain a mortgage. We specialise in advising the self-employed as to the kind of mortgage available to each individual situation. 

We understand how the various lenders will assess a self-employed case. Whether it’s a High Street Bank, Building Society or a more specialist lender, you can be sure that we will find the right lender to meet personal situations.

Why choose us?

We will assess your personal situation to make sure that we find the right lender for you and for the documentation that you can provide, and that is even if you have a lower credit score for whatever reason.

Lenders, these days, are required by the regulators, to ask for proof of income so that they can see how much you may be able to borrow. Typically, a High Street lender will ask for your last 3 years accounts and will then take an average of the net profit. Whilst this will be okay for some people, it will not work for others. 

We have lenders that can work with the latest one year’s accounts. This could be due to a shorter trading time or even the impact from the COVID lockdowns.

So why not call us today on 020 3764 9996 or complete our form to see how we can help you.

Book a free mortgage consultation now

Fill in your details below and one of our mortgage experts will contact you to discuss your options and help you choose the most appropriate deal.

Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

What Our Clients Say

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Allan was great to work with, made my remortgage a very easy process. Was always there to help when needed. Highly recommended

5
Gillian Roberts
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Allan has helped us with re-mortgaging over the last few years. He has always provided the best service and has kept us up to date with progress. I would highly recommend him.

5
Allison Marrion
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Alan has been brilliant he got me my mortgage when no one else could my bank of 20 years wouldn’t lend it me but he sorted it for me
I’ve recommended him to a few people already and will definitely recommend him to anyone else
He kept my stress levels down and communicated with me throughout the whole process
Thankyou for all your help

5
Sarah
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As an oldie with not much knowledge on the mortgage front l was blessed to have Alan as my advisor he took me through every aspect of my business and although hewas most professional he became a friend which I appreciated as during a stressful period he got me through it thankyou Alan you gave me peace of mind.

5
Margaret Ponder
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Mortgage Advice

I highly recommend Finance 4 Homes - Allan is professional, patient and, frankly, brilliant! I am so grateful to him for his assistance and advice in securing a mortgage for me. This has meant a secure home for myself and my children for which I cannot express gratitude enough. If you ever need any help with finances and are seeking a professional, prompt and effective service then Allan is your man!

5
Naomi Chiffi
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Very helpful and committed to finding the best product available to me. Will use again next time.

5
Ian