Self-Employed
Are you self-employed and looking to buy a home? The mortgage process can be challenging, but you’re not alone. We recognise that as a freelancer, contractor, or business owner, your income may not fit traditional moulds. That’s why we offer personalised solutions to help you secure the mortgage you need.
Let’s secure your
new home,
together!
Our experienced team is here to guide you every step of the way, providing the support you need to secure the right mortgage for you.
We are here to answer any questions you may have
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Typically, lenders will ask for your last two years of tax returns, self-assessment statements, and business accounts, or a contract. We’ll help you understand exactly what’s needed for your specific situation.
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Structuring your income effectively is key. We can advise you on how to present your financial information and what income level you may need to declare to enhance your application.
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Yes, lenders usually prefer to see a consistent income history over the past two years. However, we can guide you on how to best present your earnings, even if they fluctuate.
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It may be more challenging, but not impossible! Some lenders will consider one year of trading, your previous employment history and the viability of your current business. Others may consider a contract of you are working on a short term (e.g. “Day Rate”), contract basis. We can help you find the right lender for your situation.
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Lenders understand that many self-employed individuals experience fluctuating income. We’ll work with you to present your income in a way that highlights your overall earning potential and stability.
Learn more about our Client Experience.
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Meet James and Emma
James and Emma, an ambitious couple with a passion for entrepreneurship, approached us with their goal of purchasing their first home. James runs a small but thriving catering business, while Emma is a freelance graphic designer, focusing on projects that support women-owned businesses.
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Why did James and Emma come to us?
They sought our expertise to navigate the mortgage market as self-employed individuals. Despite their strong earnings, they faced challenges in securing a mortgage due to fluctuating income and lenders' unfamiliarity with their self-employed status, leaving them feeling uncertain about their options.
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What did we do to help?
Utilising our extensive experience, we performed a detailed assessment of their financial situation. We guided them in structuring their income documentation to meet lender requirements and identified lenders who specialise in working with self-employed applicants. This tailored approach ensured they felt confident throughout the process.
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The outcome
Success! With our guidance, James and Emma secured a mortgage that aligned with their financial goals. They are now proud homeowners, excited to create new memories in their first home. By providing tailored solutions and expert advice, we helped them turn what seemed like a complex challenge into a rewarding achievement.
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Get in Touch
Ready to take the next step toward homeownership? If you have any questions about the mortgage process as a self-employed individual, we’re here to help. Contact us today, and let’s embark on this exciting journey together.