SELF EMPLOYED MORTGAGES

Self Employed Mortgage

I need a Self Employed Mortgage – can you help?

The simple answer is yes we can, we can help you get a self employed mortgage providing you can prove your income and that repayments are affordable.  Basically, it’s just a myth that it is difficult to get a self-employed mortgage.  People who work for themselves are able to get the same rates as everyone else; the problem is, they have more complex incomes and must be able to prove their earnings.  We’re here to help you through the process.

Proving your Income

Whether you’re employed or self-employed makes no difference to the range of mortgage products that you’re potentially able to access in the UK.  Lenders just need to know you have the ability to make the monthly repayments on your mortgage. 

The longer you’ve been self-employed, the better.  If you have two years of accounts, the number of lenders would increase; three years is even better. Most lenders insist accounts are prepared by a chartered or certified accountant.

As part of your proof of affordability that you can meet your monthly payments, you would require your Self Assessments and/or your accounts as support for your mortgage application.

At Financial Service Solutions, we believe in offering our clients different options to suit their needs.  Whether you are taking your first steps on the property ladder or you are looking to remortgage your existing home or moving home, we can help you find the best deal and support you through the process.

Obtaining a mortgage can be a stressful process for anyone, especially busy self employed people, so why not let us do the hard work for you.

Mortgages

PLEASE MAKE BORROWING DECISIONS CAREFULLY, YOUR HOME OR ANY OTHER PROPERTY OR ASSET OFFERED AS SECURITY FOR A LOAN OR MORTGAGE MAY BE AT RISK OF REPOSSESSION IF YOU CANNOT KEEP UP THE AGREED PAYMENTS