A mortgage that understands how you earn
Self employed? Your mortgage options may be wider than you think.
We’re specialist advisers for sole traders and the self employed. We search across the market for lenders whose criteria can work with the way you actually earn.
Only one year of accounts? Turned down by your bank? Buying your first home? Lender criteria vary, so it pays to speak to a specialist before you apply. What you can borrow will depend on your full circumstances.
Book a free consultation with us.
07917 694983
BUILT AROUND CONTRACTORS AND THE SELF EMPLOYED.
Why the self employed come to us
One year of accounts may be enough. Some lenders will consider a single year’s figures, especially if your income is strong and consistent, or you’ve moved from employment into the same type of work.
A decline isn’t the whole market. Banks each have their own criteria. We look across lenders who take a more flexible approach to self employed applicants.
Support from first call to completion. We handle the conversations with the lender, the solicitor and the estate agent, so you can keep running your business.
Your needs, our expertise.
Your income is different, and we know how to make it work.
Being self-employed shouldn’t make getting a mortgage harder.
We understand the challenges that contractors, business owners and company directors can face when applying for a mortgage.
Get expert advice. Find out what you could borrow.
Start your application today.
Built around you. Driven by results
How we work with you
Instead of expecting you to fit a standard mortgage application, we find lenders whose criteria can work with the way you actually earn your money.
Tell us about yourself
Complete our quick enquiry form with some basic information about your income and circumstances.
We assess your situation
Our specialist advisers review your circumstances and identify potential mortgage options.
Speak to an expert
We’ll talk you through your options, answer your questions and explain what you could potentially borrow.
Move forward with confidence
If you’re happy to proceed, we’ll guide you through the mortgage application from start to finish.
Your questions, answered by mortgage experts
FAQs
We know you may have questions, so we’ve put together some of the answers we’re asked most often. If you can’t find what you’re looking for, we’re always happy to help.
Can I get a mortgage with only one year of accounts?
Potentially. Some lenders will look at one year’s figures, depending on your income and how long you’ve been doing the same type of work. We’ll look at your individual circumstances.
I've been declined by my bank. Can you still help?
A decline from one lender isn’t a decline from the whole market. Banks each have their own criteria, and a computer generated decision doesn’t always reflect your circumstances. Whether a lender can help will depend on your full circumstances.
I'm self employed and a first time buyer. Is that possible?
Yes. Plenty of first time buyers with self employed income get mortgages every year. We’ll help you understand realistically what you could borrow before you start viewing properties.
What documents will I need?
Usually your latest accounts or tax calculations, recent bank statements and details of your deposit. We’ll tell you exactly what your lender needs.
Will you understand my income?
Potentially. Lender criteria vary considerably, so a short self-employed history doesn’t necessarily mean you won’t qualify. We’ll look at your individual circumstances.
07917 694983
Built around you. Driven by results
How we work with you
Instead of expecting you to fit a standard mortgage application, we find lenders whose criteria can work with the way you actually earn your money.