As a specialist mortgage broker we will secure the best mortgage rates for your self-employed status.
Regardless of your trading structure, we will know the best lenders for your needs, even if you’ve applied directly to a lender and been declined we can offer help. We will also make the entire application process as simple and hassle-free as possible.
Our clients span the entire self-employed spectrum; we work with:
Limited Company directors
Limited Company contractor;
Umbrella Company contractors
We know how to maximise your true mortgage affordability using the income you receive and demonstrate to the lender why they should lend to you.
Speak to us.
Call 0800 612 8292 or 01255 440142
Lines are open Monday to Saturday 9am to 10pm
Address: Unit 152, 9 St Johns Street, Colchester, Essex, CO2 7NN United Kingdom
We provide our services to suit you, whether by telephone, WhatsApp, email or video call
Things to consider
Many lenders acceptable to self-employed cap the amount they’re prepared to lend
The lender is likely to demand a larger deposit than they would on a conventional PAYE mortgage.
Interest rates may be higher than a standard mortgage product if your credit score is low
Do the self-employed pay higher mortgage rates?
Self-employed mortgages aren’t necessarily more expensive. As long as you’re able to supply enough information about your income, you should qualify for the same mortgage deal as someone with a comparable salary in a permanent, full-time job.
The mortgage rate you get is much more likely to depend on the size of your deposit, as well as your credit rating.
The more can put down as a deposit, and the higher your credit rating, the better your mortgage rate is likely to be, however, if you struggle to get accepted by a mainstream bank, we may have to help you apply with a specialist lender that deals with self-employed borrowers who maybe aren't on the high street, although you may find the pay rate is slightly higher.