Self Employed Mortgages

One of the biggest changes in the employment market is the change from the traditional PAYE type to self-employed. Industries that were once bastions of permanently contracted employees have changed and it is now commonplace to have jobs contracted out to limited companies, self-employed partnerships, or even individuals who are a limited company entity.  This can be an easier and more attractive way of working, until you approach your Bank about the possibility of obtaining a mortgage.

Self Employed Mortgages

The days of self-certifying incomes are long gone and in the main for good reason.  The problem is other lending criteria has failed to take up the slack and produce a modern approach to this problem.

Most lenders are happy to lend on the back of 3 years accounts, but what if you do not have them and have only 2 years or even 1 year accounts?
We specialise in this field and have the knowledge and experience of placing Self-employed customers with the right lender.

Below are some examples of the type of Self-employed mortgages we deal with on a regular basis. If one of these fit your profile we can help you, simply make an enquiry and a specialist will contact you to go through your case in more detail.

  • Self-employed 1 years accounts mortgages
  • Self-employed Declining profits mortgages
  • Self-employed Less than 3 years accounts mortgages
  • Self-employed 95% mortgages
  • Self-employed Bad credit mortgages
  • Contractor mortgages

Get in touch

If you would like to know more about the services View Finance offer please feel free to call us on 0333 320 8658 or click on the button below to fill out an online enquiry form.

Get in touch

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.  THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. View Finance Ltd is an Appointed Representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority under number 624517 in respect of mortgage, insurance and consumer credit mediation activities only. The Financial Conduct Authority does not regulate some form of mortgages and loans, including most types of Buy to let mortgages and also Limited Company lending. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. Registered office address: 42 Friar Gate, Derby, DE1 1DA. Registered in England and Wales, company number 11265177.

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