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.

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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.

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