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  • Writer's pictureMatthew Pigrome

The Road to Homeownership for Self-Employed and Company Directors with Mortgage321

Navigating the mortgage landscape can be particularly challenging for the self-employed and company directors, whose financial profiles don't always fit the conventional borrower mold. At Mortgage321, we specialise in turning these unique challenges into success stories. Here's how we help independent professionals across the board gain a foothold on the property ladder.

Understanding the Self-Employed Mortgage Hurdles

The primary hurdle for self-employed individuals and company directors seeking mortgages lies in proving a stable income. Traditional lenders often look for consistent payslips as evidence of earnings, which doesn't align with the variable income streams that are common for those who work for themselves or run their own businesses.

Income Verification

Mortgage321 understands that income for the self-employed can ebb and flow. We work with lenders who are familiar with and sympathetic to the nature of self-employed earnings. Instead of the usual two to three years' worth of accounts, we find lenders who are willing to consider:

  • One year of accounts

  • SA302 tax calculations

  • Retained profits for company directors

Assessing Affordability

Our assessment goes beyond the tax year. We delve into your business's performance, trajectory, and the sector's health to present a robust financial picture to potential lenders.

A self-employed professional consulting with a Mortgage321 advisor in a modern office, with financial documents and mortgage options displayed on a computer screen.
Empowering Your Business with Tailored Mortgage Solutions from Mortgage321

Specialised Mortgage Products

Recognising the distinct needs of self-employed professionals and company directors, we've curated a range of specialised mortgage products designed to cater to:

  • Contractors operating on a day rate

  • Freelancers with variable contracts

  • Business owners with complex income structures

Simplifying the Application Process

Mortgage321 simplifies the application process by:

  • Offering dedicated advisors who understand the nuances of self-employed finances.

  • Preparing a mortgage application that highlights the strengths of your financial status.

  • Advising on the documentation needed to maximise your chances of approval.

Advantages of Working with Mortgage321


Our team is well-versed in the criteria different lenders use to assess self-employed applications, ensuring you’re matched with the most suitable mortgage product.


We have established relationships with niche lenders who are more flexible and open-minded towards the self-employed and company directors.


From initial advice to the final approval, our advisors are there to guide you, clarify any complexities, and support you through the entire mortgage journey.


Whether you're a freelancer, contractor, or run your own company, Mortgage321 believes your entrepreneurial spirit should be rewarded with a mortgage that suits your individual circumstances. With our knowledge and expertise, we’re confident we can find a mortgage solution that gives you the same opportunities to own your dream home as anyone else.

Are you self-employed and looking to step onto the property ladder? Reach out to Mortgage321 today, and let's discuss how we can tailor a mortgage to fit your unique situation.

Here's how you can get in touch:

📞 Phone: 01255 440142

💻 Website:

🕒 Hours: Mon-Sat, 9 AM - 7 PM

📱 Follow Us: Stay updated with the latest mortgage insights on our social media @Mortgage321_colchester

For personalised advice and assistance with your mortgage needs, contact Mortgage321. We're here to make your property aspirations a reality. 🏡✨

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