Self-Employed Mortgages
IF THE COMPUTER SAYS NO, GIVE US A GO!
Need a mortgage or remortgage? Even with a bad or poor credit history, we can help. Self-Employed? One year trading figures? Over 50? TRY US TODAY
Get your mortgage application considered by a human And not a computer, so you are more than likely to be accepted even with low credit score, CCJ’s, Default missed payments, DMP, or even previous bankruptcy, or even just to reduce debts.
- See if you qualify TODAY
- Over 25 years in this area and the expertise to help those declined by the “High Street” Lenders. This means that we will be able to find the best deal for YOU, and get a mortgage, sooner.
- • By getting a remortgage, you could be reducing your monthly outgoings, considerably.
SEE IF YOU QUALIFY TODAY
Complete your details, and we will call you back at a time that suits you and will go through all your options
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.
Key Considerations for Self-Employed Borrowers:
- How long you’ve been trading (usually at least 2 years)
- Whether you use a sole-trader, partnership or limited company structure
- Whether you draw a regular salary or dividends
- How your income is documented (tax returns, accounts, self-assessment)
- Whether your business is stable, seasonal or new
- Your deposit size, credit history, and other borrowing commitments
Each case is unique, and we’ll work through your full situation to identify lenders who may consider your application.
Fees
We may charge a fee for arranging your mortgage. As a guide, fees could be up to [1%] of the loan amount, but your actual fee will depend on your case, lender, business structure, and complexity. Interest rates may be higher for non-standard applicants. These figures are illustrative and not guaranteed — we will confirm your actual fee before proceeding
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.
SEE IF YOU QUALIFY TODAY
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.
Suitability
This type of mortgage may not be suitable if, for example, you have been trading for less than the minimum period required by lenders, your business income is unpredictable, you have recent adverse credit, or you require a very high Loan to Value. We’ll help assess whether pursuing this route is appropriate for you.
What Our Clients Say
These are individual client experiences. Past performance is not a guarantee of future results. Your outcome will depend on your individual circumstances.
Last Updated 06/11/25