Self Employed Mortgage Essex
Tailored Support for Independent Professionals
Securing a mortgage when you’re self-employed can feel like navigating a maze, especially when traditional lenders don’t understand your income structure.
Whether you’re a freelancer, contractor, or company director, proving your affordability often requires more than just payslips.
At Financial Service Solutions, we specialise in helping self-employed individuals across Essex access the right mortgage with confidence.
If you’re searching for a self employed mortgage professional’s trust, you’re in the right place.
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What Are Self Employed Mortgages?
A self-employed mortgage is designed for individuals who work for themselves, whether as sole traders, limited company directors, or contractors.
While the mortgage products themselves are often similar to those for employed applicants, the difference lies in how your income is assessed.
Lenders typically require more documentation to verify your earnings, and that’s where our expertise comes in.
If you’re looking for a self employed mortgage, Essex lenders will approve. We help present your finances in the best possible light.
How Do Self Employed Mortgages Work?
Self employed mortgages work by assessing your income through alternative documentation, usually your SA302s, tax year overviews, and sometimes business accounts.
Most lenders will want to see at least two years of trading history, though some may consider one year with strong financials.
In Essex, where property values and investment opportunities vary widely, we help tailor your application to suit lenders’ expectations.
Whether you’re buying your first home or expanding your portfolio, we ensure your income is clearly and confidently presented.
Here’s What Our Clients Say
Financial Service Solutions
4.7
33 Reviews
Professional, Friendly, Experts. Thank you so much!
Jabez and Nikki were amazing. As a first time buyer, they took all the stress of arranging a mortgage away, offering advice and options that I would only be able to get from a broker. Jabez has been proactive throughout the entire process, keeping me well informed and going above and beyond improving my mortgage deal as my house purchase progressed. Well worth the money, and would throughly recommend them for all your mortgage needs!
Excellent Advice & Service!
We had an excellent experience with Financial Service Solutions who helped secure a new deal on our mortgage for another 3 years. They are incredibly professional and friendly. We thoroughly recommend them to others in need of financial advice. Thank you Jazeb & Nikki!
Fantastic service
Both Jabez and Nikki have been extremely helpful throughout the process and have gone above and beyond to ensure our house purchase has gone through as smoothly as possible and were more than happy to do whatever it took to set my mind at ease as a first time buyer - much needed whilst trying to juggle work and a 2 year old. If you are looking for a less stressful house purchase I highly recommend them.
Key Features of a Self Employed Mortgage Client’s Value
✅ Flexibility with income documentation—SA302s, tax returns, or accountant references
✅ Access to specialist lenders who understand self-employed income
✅ Potential for higher borrowing with the right business structure
✅ Tailored terms for freelancers, contractors, and company directors
✅ Support for both residential and buy-to-let self employed mortgages in Essex
How Our Process Works
1. Consultation – We start with a friendly, no-obligation chat to understand your goals and property plans in Essex. Whether you’re buying a home or investing, we tailor our advice to your situation.
2. Mortgage Selection – We search the market for the most suitable self-employed mortgage products, matching your income structure with lenders who understand it.
3. Application Support – From gathering SA302s to preparing business accounts, we help you compile everything needed for a strong application.
4. Long-Term Planning – We don’t stop at one mortgage. We’ll help you plan for future borrowing, refinancing, or portfolio growth, especially important for self-employed professionals.
How Can We Help With Self Employed Mortgages?
At Financial Service Solutions, we combine local knowledge with national reach.
Our team understands the Essex property market and has access to specialist lenders who cater to self-employed applicants.
We move quickly, communicate clearly, and guide you through every step—from initial consultation to mortgage offer and completion.
Why Choose Us?
Expert Guidance
We navigate complex self-employed lending criteria to get your mortgage approved—no jargon, just results.
Local Knowledge
Based in Essex, we understand the regional lender landscape, property values, and what it takes to get approved here.
Transparent Process
No hidden fees, no surprises. Just honest advice and full support from start to finish.
Tailored Solutions
Every self-employed applicant is different. We match your unique situation with the right lender and product.
FAQs - Self Employed Mortgage
Can I get a self-employed mortgage if I’ve only been trading for 1 year?
Yes, some lenders will consider one year of trading, especially if you have strong financials or industry experience.
What documents do I need for a self employed mortgage?
Typically, SA302s, tax year overviews, and sometimes business accounts or accountant references.
Can limited company directors still secure buy-to-let mortgages?
Absolutely. We help directors structure their income and dividends to meet lender criteria.
Do I need to show rental income or personal earnings?
It depends on the mortgage type. For buy-to-let, rental income is key; for residential, personal income is assessed.
Are interest-only self employed mortgages available in Essex?
Yes, especially for buy-to-let or high-net-worth applicants. We’ll help you explore your options.
Is a larger deposit required for self-employed landlords?
Not always. With the right documentation, you may access competitive rates with standard deposit levels.
How long does the self employed mortgage application take?
On average, 2–4 weeks from application to offer—faster with our expert preparation.
What rates can self-employed landlords expect in Essex?
Rates vary by lender and profile, but we’ll help you access competitive deals tailored to your situation.
Do you handle leasehold and HMO self-employed mortgage cases?
Yes, we regularly assist with leasehold flats and Houses in Multiple Occupation (HMOs).
How does Financial Service Solutions help self-employed borrowers get accepted?
We present your income clearly, match you with the right lender, and support your application every step of the way.
Request a Mortgage Quote
Free no obligation self employed mortgage quotation, no credit searches required.
Contact Us For A Self Employed Mortgage Essex
Chelmsford Office
Saxon House,
27 Duke Street,
Chelmsford, CM1 1HL
Contact us using your preferred method
Office: 0333 567 8960
Email: hello@financialservicesolutions.co.uk
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Disclaimer: Financial Service Solutions Ltd has never now or has ever been involved with any companies of a similar name. Financial Service Solutions Ltd is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421
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