Self-employed.

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:

  • Sole traders

  • Partnerships

  • 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

Email: info@mortgage321.co.uk

Individual advice
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.

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