Being self-employed shouldn’t mean that getting a mortgage is out of reach. While traditional mortgage lenders may require multiple years of income history or may not understand your financial situation, we work with lenders who specialize in mortgages for the self-employed. Whether you’re a freelancer, contractor, or business owner, we can help you secure a mortgage that’s right for you.
Challenges for the Self-Employed: Self-employed individuals often face challenges when trying to secure a mortgage due to fluctuating income, irregular cash flow, and stricter income verification processes. But with the right advice, these obstacles can be overcome.
What You Need:
- Two years of accounts or self-assessment tax returns.
- Proof of your regular income and business stability.
- Bank statements showing business income and outgoings.
How We Help:
- Lenders who understand self-employed income structures: We work with lenders who consider your full income picture, including retained profits and dividends.
- Tailored mortgage solutions: Whether you’re a sole trader or company director, we’ll help you find the best mortgage options to suit your circumstances.
- Flexible criteria: Some lenders we work with will consider just one year’s accounts or look at contract rates instead of typical salary documentation.