Business Details
Expert Mortgage Brokers for Self-Employed Professionals
We are a specialist mortgage brokerage firm dedicated to serving self-employed individuals and business owners. Our team of experienced advisors understands the unique challenges faced by independent professionals when securing mortgage financing. As an FCA-accredited broker, we leverage our extensive industry relationships to access a comprehensive range of self-employed-friendly lenders and products. Our approach focuses on accurately representing clients' financial profiles to lenders, utilizing alternative income verification methods beyond traditional PAYE structures.With over a decade of experience in the sector, we have developed tailored strategies to help clients with varying self-employment structures - including sole traders, contractors, and company directors - achieve their property ownership goals. Our independence allows us to provide unbiased advice while maintaining strict compliance with financial regulations through our dedicated compliance team.
Services
Self-Employed Mortgages
Contractor Mortgages
Sole Trader Mortgages
Company Director Mortgages
Freelancer Mortgages
IT Contractor Mortgages
Locum Doctor Mortgages
Highlights and features
- Specialist advisors with deep understanding of self-employed mortgage criteria
- FCA-accredited status ensuring regulatory compliance and consumer protection
- Access to exclusive lender relationships unavailable through High Street banks
- Proven track record helping clients with complex income structures since 2013
- Tailored underwriting approach that maximizes mortgage affordability potential
Associations and certifications
- Financial Conduct Authority
What people say
Specialist expertise
Competitive rates
Tailored solutions
Understanding of self-employed
Successful applications
Services
Self-Employed Mortgages
Specialist mortgage solutions for self-employed professionals with non-traditional income structures. We help clients demonstrate their true affordability to lenders through alternative verification methods. Our service caters to sole traders, contractors, and business owners seeking competitive mortgage rates.
Contractor Mortgages
Tailored mortgage products for contractors using day rate income verification. We work with lenders who accept contract-based underwriting, eliminating the need for extensive accounting records. Our expertise helps contractors maximize borrowing potential based on current contract rates.
Sole Trader Mortgages
Mortgage solutions for sole traders with minimal accounting requirements. We partner with lenders accepting one-year accounts and SA302 forms, helping self-employed individuals with fluctuating income secure competitive financing options.
Company Director Mortgages
Specialist financing for limited company directors with low salary structures. We work with lenders who consider dividend income and business performance, helping directors demonstrate true affordability despite minimal declared earnings.
Freelancer Mortgages
Mortgage products designed for freelance professionals with irregular income streams. Our service helps freelancers document their earnings through alternative means, working with lenders who understand non-traditional employment structures.
Questions
What mortgage options exist for self-employed individuals with one year's accounts?
We work with lenders accepting one-year accounts and SA302 forms, offering competitive mortgages for sole traders, contractors, and freelancers with minimal trading history.
How do you assess mortgage affordability for non-traditional income structures?
We use contract day rates, dividend income, and business performance metrics to demonstrate true affordability, working with lenders who understand self-employed financial profiles.
What documentation is required for a self-employed mortgage application?
Typical requirements include SA302 forms, recent accounts, bank statements, and contract documentation, though specific requirements vary by lender and employment structure.
Can company directors with low salaries secure competitive mortgages?
Yes, we partner with lenders who consider dividend income and business performance, helping directors demonstrate true affordability despite minimal declared earnings.
What fees are associated with your mortgage services?
Our fees start at £750 or 0.65% of the loan amount, with exact pricing determined by your specific circumstances and discussed fully before application.
How do contractor mortgages differ from standard products?
Contractor mortgages use day rate income verification, eliminating the need for extensive accounting records and focusing on current contract value and stability.
Reviews (4)
Demosthenes
May 19, 2021
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I called up Self-employed mortgages out of desperation as my existing broker was unable to get my mortgage approved at the eleventh hour. From the outset, George was helpful, asked me all the right questions (something my previous broker had failed to do) about my situation and said he thought he might be able to help. Within an hour he had called me back having spoken to a mortgage provider and said he was confident they could help. I am delighted to say that mortgage approval was given within 5 weeks, despite the COVID backlog,
This is a genuine review and I would throughly recommend them
This is a genuine review and I would throughly recommend them
Alex Gatej
Dec 08, 2020
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Recently I got my first mortgage. Natasha Saunders was my advisor. With her help the process went smoothly and easy. Natasha was very professional, honest, responsive and helpful, which made everything go faster and less stressful. I am really happy that Ive been recommended this service. Its a great option for self employed and ltd. Thanks Natasha Saunders and Charlotte Scott!
T. J.
Oct 29, 2020
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Thank you to Maryam and Sarah who helped me getting all of my insurances on protecting myself after securing my home! Such a great help and they always called me to check up on me and made sure I went for the best protection that suited my needs. I have already recommended them to a friend who is also looking at securing a home. xx
Daniel Maney
Sep 17, 2020
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Excellent service they have really helped me out when getting my first mortgage, they really went above and beyond whenever I had a problem and needed their help. Also were always contactable on the phone and got back to me super quick whenever i left a message. Thank you all so much for all your help.
