Mortgage Broker

Self Employed Mortgages

Being self employed doesn’t mean you can’t get a mortgage

We love our Self Employed customers.

You may feel it can be a bit more difficult to be accepted for a mortgage, due to having to prove that you are a reliable person and that you do indeed have a genuine and consistent source of income.

A large number of our clients are self-employed, and we consider ourselves experts in this area.

Whether you are a sole trader, a contractor or a limited company director, as long as you have at least 1 years’ of accounts or you have submitted your first year’s tax return with HMRC, we may be able to help.

How do I get a Self Employed mortgage?

Self Employed mortgage rates won’t necessarily be higher, but sometimes you need specialist knowledge to select the most appropriate lender for your circumstances.

Yes, sometimes it can be slightly more difficult at times to secure a self-employed mortgage, but to give yourself the best possible start you should aim to have the following available for us to advise you:

  • At least 1 years’ of certified accounts, although 2 or more years would be preferable
  • SA302 forms or a tax year overview (from HMRC) for at least 1 year
  • Evidence of upcoming contracts (if you’re a contractor)
  • Evidence of dividend payments or retained profits (if you’re a company director)

Once you have gathered the above and your dedicated adviser has spoken with you to get to know you and your current circumstances, your adviser will then be able to use this information to assess and find the right deal most suited to you.

interior chosen 21

How can Tipping & Webb help?

It sounds complicated, but Tipping & Webb are here to help at every step.

We are specialists in what we do, and we make sure that we take adequate time to get to know you and your circumstances, not only does this allow us to understand your situation so that we know when and how the best way to communicate with you, but it also allows us to do what we do best and find the right deals to suit you.

Being a mortgage broker, we also have access to exclusive lender deals that may not be available elsewhere, this enables us to match self-employed clients with the most suitable deal for them.

So, if you are self employed and looking for some advice, why not get in touch with our friendly team who will be happy to help guide you through the process.

Speak to us about Self-Employed Mortgages

Contact us

What our customers say

  • “Amy has been a wonderful support as we look at getting our first mortgage for a renovation. She has explained everything with a wealth of experience behind her and in terms that even I can understand! We feel incredibly comfortable making such an important decision with Amy to advise and guide us; we couldn’t ask for any more patience and knowledge from this lovely lady. Would always recommend, without hesitation.”

    R. Longley

  • “Fantastic help and advice from day one! Within a few minutes of meeting Dan for the first time both myself and my partner felt at ease and have never felt pressured which is so important, especially when making one of the biggest purchases of our lifetime. Would thoroughly recommend Dan to anyone and definitely those who are a first-time buyer as every step and process is well explained and any questions are always answered promptly with honesty.”

    J. Humphries

  • “When we were just about at our wit’s end with the process of getting our first mortgage, Amy quite literally saved the day (and our sanity!) She was professional, calm and thorough. Fantastic communication throughout the whole process, she managed to secure us a fantastic rate and explained everything to us every step of the way. A genuinely lovely lady, cannot recommend enough.”

    C. Charters

  • “Lisa was recommended to me by a friend and she did not disappoint, fantastic from start to finish. I found a house I wanted to make an offer on, emailed Lisa at 9 pm on a Sunday (not expecting a reply till the following morning) and I had a mortgage in principle by 10 pm the same night. Lisa was always on the ball even through COVID. I honestly can't thank her enough for all her help and will definitely be recommending her to people in the future.”

    D. McCafferty