Mortgages for self employed with 1 year's accounts up to 90%. You've come to the right place if you're self employed or business owner looking to secure a mortgage. Self Certification mortgages no longer exist: they're extinct, kaput, outlawed, withdrawn! Our specialist advisors will secure the best mortgage rates for your self-employed status, period.
As a 100% independent broker, we have access to every self-employed friendly lender out there, large and small. Whichever model you deploy to pay yourself, we can match your income to an appropriate lender. That's because we've all been where you are today. Each mortgage advisor on our staff knows how difficult and frustrating it can be arranging competitive mortgages.
Regardless of your trading structure or employment status, we'll know the best lenders for you. Even if you've applied direct and failed (as many of our clients have), we can often help through our extended network. Furthermore, we'll make the entire process as simple, hassle-free and painless as possible.
As a 100% independent broker, we have access to every self-employed friendly lender out there, large and small. Whichever model you deploy to pay yourself, we can match your income to an appropriate lender. That's because we've all been where you are today. Each mortgage advisor on our staff knows how difficult and frustrating it can be arranging competitive mortgages.
Regardless of your trading structure or employment status, we'll know the best lenders for you. Even if you've applied direct and failed (as many of our clients have), we can often help through our extended network. Furthermore, we'll make the entire process as simple, hassle-free and painless as possible.
Services
Welcome to selfemployedmortgages.com, an FCA-accredited mortgage broker for self-employed people.
Being independent professionals ourselves, we understand the barriers that self-employed people face with traditional mortgage lenders.
We've forged our business to combat the mixed messages self-employed people get on the High Street.
You no longer have to face the ineptitude of advisors who don't understand your income, thus mortgage affordability.
Unlike other mortgage websites, we are NOT a marketing or mortgage "introductory service".
Being independent professionals ourselves, we understand the barriers that self-employed people face with traditional mortgage lenders.
We've forged our business to combat the mixed messages self-employed people get on the High Street.
You no longer have to face the ineptitude of advisors who don't understand your income, thus mortgage affordability.
Unlike other mortgage websites, we are NOT a marketing or mortgage "introductory service".
So often, untrained advisors get your available income wrong.
They see you as 'self employed' and tar you with the same brush as everyone else who works for themselves.
I'll make no bones about it.
Since the credit crunch, lenders are more aware of the risk balance of their loan book.
And 9 times out of 10, a lender will see an employee as lower risk than someone who works for themselves.
Do the long hours you devote to your business warrant at least as competitive a rate as an employee?
In an ideal world, that logic would follow through.
They see you as 'self employed' and tar you with the same brush as everyone else who works for themselves.
I'll make no bones about it.
Since the credit crunch, lenders are more aware of the risk balance of their loan book.
And 9 times out of 10, a lender will see an employee as lower risk than someone who works for themselves.
Do the long hours you devote to your business warrant at least as competitive a rate as an employee?
In an ideal world, that logic would follow through.
Your self-employed status will help us determine which lenders we can package your mortgage application to.
If you own more than 25% shares in a Limited Company, your mortgage borrowing will be assessed on a self-employed Basis.
Generally most company directors choose to draw a low salary and minimise dividends, although very tax efficient, the downside of this is that it reduces potential borrowing.
The good news is that we have established relationships with lenders whose underwriters will utilise retained profits not paid out for tax planning purposes.
If you own more than 25% shares in a Limited Company, your mortgage borrowing will be assessed on a self-employed Basis.
Generally most company directors choose to draw a low salary and minimise dividends, although very tax efficient, the downside of this is that it reduces potential borrowing.
The good news is that we have established relationships with lenders whose underwriters will utilise retained profits not paid out for tax planning purposes.
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