Mortgages
Self-employed mortgages, without the runaround.
Getting a mortgage when you’re self-employed is not always straightforward. Lenders want proof, accounts, stability. Many people don’t realise what’s actually possible until we walk through the options properly, with lenders who understand how your income really works.
What I help with
- Residential mortgages for sole traders, Ltd company directors, freelancers, contractors
- Remortgages when your fixed rate ends
- Buy-to-let mortgages, including Ltd company SPV structures
- First-time buyers
- Complex-income cases: multiple income streams, newer self-employed, dividend-heavy directors
Why it helps to work with someone who gets it
Most high-street lenders aren’t built for self-employed applicants. They want two years of accounts, neat PAYE history, a box-tickable story. I know which lenders actually understand director income, retained profits, seasonal work, or newly-established businesses, so we don’t waste time on applications that were never going to land.
Risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Ready when you are.
Book a free, no-pressure discovery call. Thirty minutes to figure out if we’re a fit.
Book a free discovery call