There can be a lot of hurdles when it comes to securing a mortgage if you are self-employed - but as experienced mortgage advisors, we can act fast on your behalf and get your journey started.
With no obligation first meeting, chat with our experienced mortgage advisers by telephone, Skype, FaceTime, social media or WhatsApp and discover how we can help you.
After working with hundreds of self-employed buyers, we discovered that the same circumstances cropped up.
As part of our initial consultation, we can look at a variety of factors, including:
Company owner, director, sole trader or partner mortgage advice
Previously been rejected from a bank
Experience a fluctuating net profit
Have only been trading for one year or less
Bank not prepared to lend you enough
You get paid a combination of your salary and dividends, or leave net profit in the business
After working with hundreds of self-employed buyers, we discovered that the same circumstances cropped up.
Our team of experts are happy to give professional mortgage advice to:
First-time buyers
Home movers and remortgagers
Self-employed movers
Right-to-buy, help-to-buy and let-to-buy mortgagers
After working with hundreds of self-employed buyers, we discovered that the same circumstances cropped up.
Most high street banks have very strict criteria when it comes to self-employed mortgages. Many require to see increasing net profit within three years of accounts - minimum.
The criteria for lending can vary from mortgage lender to lender. It's our job as professional mortgage advisors to give your mortgage application to the appropriate lender - and we're right almost every time.
It is a condition of all mortgages that you to have adequate buildings insurance in place. This is something we will help you with.
Making sure you can meet your monthly mortgage payments is a priority and your home may be repossessed if you don’t keep up the repayments. With this in mind, it is important to consider putting in place one of our tailormade, first-class, mortgage and lifestyle protection portfolio’s. This could include:
A lump sum of cash to pay off your mortgage if you die
A cash lump sum or monthly income if you get cancer or have a heart attack
A regular monthly income if you’re unable to work through an accident, sickness or disability
A regular income for your children, should you die or get a critical illness
A policy to cover if your children get a critical illness - £25,000 on average
A sick pay policy if your self-employed
A sick pay top up if you don’t get enough from your employer
A lump sum of cash if you become totally and permanently disabled
All relevant plans can be written into trust This will mean the beneficiary will get their money faster
A suitable person to write or review your wi
