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Self Employed Mortgage Advice

As a self employed person, you might worry about getting your first mortgage or perhaps you have struggled to secure a mortgage in the past.

At Your Mortgage Expert we’re experts in mortgage advice for self employed people. We can provide self employed mortgage advice to find out how much you can borrow and which lenders offer solutions for your circumstances. We are based in Salisbury but we can help you no matter where you live in the UK.

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How do self employed mortgages work?

If you own your own business, it can be more challenging to apply for a mortgage but by no means impossible.

You will need to prove your self employed income and pass the affordability checks just like employed people. But, because you don’t have an employer to vouch for your salary and length of employment, you have to provide this evidence in a different way. And, often the lenders will ask for more information to prove your income and that can afford the mortgage.

It depends on which lender you choose as to how they calculate your affordability. Generally, they will take an average from your last two or three years of accounts. But they can take other factors into account as well.

By using an experienced self employed mortgage adviser like us, we can help guide you through this whole process and help make it as stress free as possible.

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What information will I need to provide for a self employed mortgage?

The mortgage lender will want to see evidence that you earn enough to be able to afford the mortgage you are applying for. To prove your income when you apply for a self-employed mortgage, you will generally need to provide:

  • A set of certified accounts – generally this should be two or three years, but can be one year for some lenders
  • SA302 forms or a Tax Year Overview which you can get from HMRC. Again this is generally two or three years but can be one year for some lenders
  • If you are a Company Director you will need to provide evidence of dividend payments and or retained profits
  • Six months’ Bank Statements which they will look through in order to assess affordability based on income and outgoings

In addition to your employment income, the lender will also need to see documents which prove you are who you say you are, live where you say you live and that you have a right to live in the UK.

At Your Mortgage Expert, we can help pull all this documentation together and ensure the lenders have all the information they need. We can also give advice if you only have 1 year of accounts.

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How can Your Mortgage Expert help?

There are many advantages to using a mortgage broker like Your Mortgage Expert for your self employed mortgage application:

  • We have access to a wide panel of lenders, some of which are not available to you directly on the high street
  • We have built up strong relationships with the lenders through years of experience. We know which ones would be more sympathetic to your personal circumstances
  • We have expertise with helping self employed people. We understand how to package your application and which lenders to choose

If you are looking for self employed mortgage advice, then we would love to hear from you. Whatever life stage you are at or purchasing decision you are making, we can help.

If you are interested in having a no obligation chat about your mortgage, why not get in touch? We don’t charge anything up front, so by speaking to us, you are under no obligation. We are based in Salisbury, Wiltshire, but we can help you no matter where you live in the UK.

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Which professions can you help?

We can help with a wide spectrum of professions and self employment types.

Chances are that we will have help someone with a similar self employed status to you. But we won’t make any assumptions and will take the time to fully understand your circumstances.

Here are just some of the self employed professions we help:

If we haven’t listed your self employed type, we can still help. We have experience with the whole spectrum of professions and self employment types.

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Our handy mortgage calculator

Our mortgage calculator can help you get a better idea of how much you can afford to borrow, and how much your mortgage will cost you in monthly repayments.

  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

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Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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