Changing to a new deal with your current lender, or transferring to alternative lender, can:
- Sole trader
- Limited company director
- CIS contractor
- Contractor
Generally, if you are self-employed you will have access to the same selection mortgage products those who are employed. It’s a common misconception that people think you must have been self employed for three years before you can get a mortgage. This isn’t the case. We specialise in self employed mortgages so please contact us to discuss your options.
Usually lenders will want to see at least two years of company accounts, SA302s or tax returns. However, if you have only recently gone self employed or have just one years accounts we may be able to help you, get in contact with us for more information
CIS Contractors
We have access to lenders who will use your day rate in affordability rather than your accounts, this means you can borrow more money. Talk to us today for more information on this.
Contractors
If you are a contractor you may be asked to provide evidence of work you have lined up for the future to show that your current income can be sustained. Don’t worry if you don’t have two years’ worth of records, we may still be able to help you. Give us a call
Sole Trader
We can usually help you if you have one year’s account/SA302s/tax return.
Limited Company Director
If you are a limited company director or hold a shareholding in a limited company of 20% or more, we can use your salary, dividends and even net profits within your company to help you get the mortgage amount that you need.