Self Employed Mortgages

If you work for yourself and are looking to either buy a new home or remortgage, we are here to help. The process of getting a mortgage when self-employed may seem complicated. But, our expert mortgage advisors are highly experienced in helping find specialist mortgage options to suit every individual situation.

Arranging mortgages for directors running businesses can be far more difficult to secure than mortgages for salaried individuals because actual income and ability to make repayments can be less obvious to lenders.

So how does getting a mortgage when self-employed work?

As you’re your own boss, mortgage lenders will need to see proof of your income – usually your accounts and tax returns over a 2 or 3 year period, signed off by a chartered accountant.

We are experts in helping clients to secure director’s mortgages. We typically approach lenders who we know are willing to look beyond the tax assessment and take a broader view, using retained profit, accountant’s projections and contracts to determine your affordability.

If you have less than 2 years’ accounts, there are still lenders who will consider you. However, you will need to prove that you have either had regular work, recently left your previous place of employment to start contracting or can guarantee regular work in the near future.

What can I borrow?

Lenders will look at how much you earn and your outgoings. Some will work off your last 2 years accounts or even your last contract.

What mortgage?

This is where we come in. Our experts will find out all about you, your history and future plans, and let you know.

We know how taxing running your own business can be. So, if you choose to progress your mortgage application through us, we’ll also complete all the necessary paperwork and manage the entire process through to completion, so you can focus on what matters most.

Ready to discuss your mortgage options?

    Our Mortgage Broker Limited

    Address: Our Mortgage Broker Limited, 23 Berkeley Square, Mayfair, London W1J 6HE

    Our Mortgage Broker Limited is authorised and regulated by the Financial Conduct Authority.

    Our FCA number is 944663 and this can be checked by visiting

    Our Mortgage Broker Limited is registered in England and Wales, registration number 11358646.
    Tel: 0203 971 1234 | |

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