Self-Employed Mortgages
Self-Employed Mortgages in the UK
You've got your eye on that perfect property, but you're worried about securing that mortgage because you're self-employed. Whether you have a limited company, are a sole trader or are in a partnership, do not hesitate to get in touch with us and we will help you to find the appropriate self-employed mortgage option for you. We understand Limited Company accounts and are well placed in getting a deal done.
Let us help you get a mortgage that works for you, just call our team now
If you've got the evidence, we could find the mortgage
The mortgage options available to self-employed individuals are the same as those of everybody else - the only difference is that you're subject to a greater number of affordability checks as you need to prove that you have a reliable source of income. This means pooling evidence together, like accounts information, HRMC tax year overviews and any documentation that shows details of upcoming work contracts. We can discuss this in detail through a FREE no obligation initial consultation, either face-to-face or over the phone, and then look to source suitable mortgage options through our network of lenders. What is discussed in the consultation will underpin our mortgage search so that we can isolate an option that's tailored to your specific needs. Our qualified team have been doing this kind of work for over 25 years and combines research skills with online sourcing systems to quickly deliver mortgage options. We'll then present the results of our findings to you, along with a Mortgage Certificate to confirm the amount subject to agreement. So, make a start and contact our team today.
Top quality self-employed mortgage assistance
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Could pinpoint evidence needed to secure mortgage
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Thousands of mortgage options available through our lender network
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FREE initial consultation provided
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Professional team with over 25 years of experience
Regulated and authorised by the FCA
Rated 5/5 on Facebook and Yell
At John Earnshaw Independent Financial Advisers Ltd, we know that securing a mortgage when you’re self-employed can feel complicated. Traditional lenders often require extensive proof of income, and many self-employed individuals worry about not fitting the standard criteria. With over 25 years of experience, we specialise in guiding clients through the process of finding the right self-employed home loan in the UK. Our independent status means we can access a wide range of lenders and tailor solutions that work for your unique financial situation.
Understanding Self-Employed Mortgages
Self-employed mortgages are designed for individuals whose income doesn’t come from a standard salary. This can include sole traders, freelancers, contractors, or directors of limited companies. Lenders may ask for business accounts, tax returns, or other financial documents to verify affordability. As experienced advisers, we help you prepare the necessary information and present it clearly to lenders, improving your chances of approval.
Simplifying the Application Process
Applying for a mortgage can feel daunting when you’re self-employed, but we make the process straightforward. From gathering the right documents to liaising with lenders on your behalf, we handle the details so you don’t have to. We also break down complex mortgage jargon into clear, simple terms, giving you confidence in every decision.
Supporting a Wide Range of Clients
We’ve successfully helped clients from many self-employed backgrounds, including freelancers, contractors, small business owners, and company directors. Whether your income is irregular, seasonal, or drawn from multiple sources, we understand how to match you with lenders willing to accommodate your situation.
Delivering Independent Mortgage Advice
As a fully independent mortgage broker in the UK, we aren’t tied to specific lenders. This independence ensures that the advice we give is always focused on your best interests. We’ll recommend products that align with your goals, whether you’re buying your first home, moving house, or refinancing an existing loan.
Putting Service at the Heart of What We Do
We’ve built our reputation on trust, responsiveness, and quality advice. Most of our clients are local to us, but we regularly support self-employed borrowers across the UK. Our team is here to make the process as smooth and stress-free as possible, providing personal service every step of the way.
FREQUENTLY ASKED QUESTIONS (FAQS)
Can I get a mortgage if I’ve only been self-employed for a year?
Yes, some lenders will consider applications with just one year of trading, especially if you have a strong financial history.
Are rates higher for self-employed mortgages?
Not necessarily. With the right preparation and advice, you can often access competitive rates similar to employed applicants.
Can you help if I’m a contractor?
Absolutely. We have experience securing mortgages for contractors, whether you work on fixed-term contracts or through an umbrella company.