fbpx

Sole Trader Mortgage

Working for yourself can be hard, the last thing you need is to have to search around for a good mortgage deal. Simply, complete the quick form below and an experienced Sole Trader expert will call you and walk you through the process.

Start your journey below

What type of mortgage do you require?

What is the property value?

£

How much are you looking to borrow

£

How soon are you looking to buy?

What is your full name?

What is your email address?

What is your mobile number?

What is your postcode?

Please select your address

{{ ($index == 0 ? 'Primary' : 'Secondary' ) }} applicant

What is your title?

What is your full name?

What is your email address?

What is your date of birth?

Are you a UK resident?

What is your marital status?

Do you have any dependents under the age of 18?

What is your mobile number?

What is your postcode?

Please select your address

{{Input.applicantInput[0].Title}} {{Input.applicantInput[0].firstName}} {{Input.applicantInput[0].lastName}}

What is your employment status?

What type of employment are you in?

How long have you been in this employment?

What is your annual salary?

£

Do you have any other income from this employment?

— Overtime, bonus', allowances etc

Please describe where this income comes from

What type of company do you have?

How many years of accounts do you have?

What type of employment are you in?

How long have you been in this employment?

What is your annual salary?

£

Do you have any other income from this employment?

— Overtime, bonus', allowances etc

Do you have any other income at all?

— Including income from benefits, investments, rental income etc

Please describe where this income as best as you can

{{Input.applicantInput[0].Title}} {{Input.applicantInput[0].firstName}} {{Input.applicantInput[0].lastName}}'s Credit History

Do you have any adverse credit?

— Things like late payments, CCJ's, arrears, IVAs, bankruptcys etc

How many issues have you had?

What type of issues have you had?

—You can select more than one

Have you been declined by any mortgage lenders recently?

Have you ever taken out a Payday loan?

Are there any notes you'd like to add?

—The more details you provide, the more specialist help we'll be able to provide

Great News.
You’re Mortgageable!

Your application has been accepted, once an experienced advisor has accessed your file we will be in-touch. Keep an eye out for a text message telling you who will be calling you. Good luck!

By clicking 'Submit', you agree to our privacy policy and understand that we will match your circumstances with an approved Mortgage Broker who will make contact with you through the information above.
Some fields are missing. Scroll up and fix highlighted fields.

Lisa Nicholls

Mortgage Advisor

Joanne Prior

ReMortgage Advisor

Juliette Banks

Mortgage Advisor

Tia Leatherbarrow

Mortgage Administration

Stephen King

Mortgage Advisor

Connor Simpson

Lead Web Developer

Mark Jackson

Mortgage Advisor

Peter Atherton

Mortgage Advisor

Sharon Kennedy

Mortgage Advisor

Claire Gilbert

Mortgage Advisor

Mike O'Dwyer

Mortgage Advisor

Colin Prunty

Mortgage Advisor

Natalie Ingham

Mortgage Administration

Sharon Nicholls

Mortgage Advisor

Amy Lavin

Case Manager

Jack Outred

Mortgage Advisor

Victoria Pennington

Mortgage Administration

Amy Fleming

Case Manager

Charlotte Gee

Case Manager

Owen Davies

Case Manager

Kev Tilley

Managing Director

James Quigley

Mortgage Advisor

John Chivers

Mortgage Advisor

Lesley Keaveney

Senior Case Manager

Cheryl Lavin

Risk Assessment Manager

Sheryl Jones

Head of Sales & Compliance

Mike Stratton

Mortgage Advisor

James Bradburn

Mortgage Advisor

Brittany Jones

Mortgage Administration

Amy Jackson

Mortgage Advisor


The number of people in self employment has risen sharply in recent years. As the number of self-employed borrowers has grown, so has the difficulty in getting a mortgage offer.

We’re not going to lie to you, there are a few hoops to jump through if you want to get onto the property ladder. It’s important to get all of your ducks in a row before you begin looking for the right mortgage. But don’t worry, all the planning will pay off.

 

What counts as being self-employed?

Lenders may class you as self-employed if you own around 25% of a business or more.

If you are in a partnership or are a sole trader, your lender will view you as being self-employed.

 

If I’m self-employed, can I definitely get a mortgage?

Yes, but you’ll need to meet the following criteria first.

Typically you will need to have at least two years’ worth of accounts or self-assessment tax returns available to show to your lender. In some cases, you might need to provide up to three years’ worth.

You may find that some lenders are stricter than others, too. Some might want to see a projection of your future earnings in the form of upcoming contracts, while others will be happy with just one year’s worth of accounts.

As a general rule, lenders are simply looking for evidence of reliable earnings and regular records of your income. Crucially, they need to be confident that you can sustain your current level of income in the years to come.

 

What can I do to win over mortgage lenders if I’m self-employed?

There are plenty of things that you can do to make yourself look more attractive to lenders. Here’s what we’d suggest if you’re planning to make that first step onto the property ladder.

  • Employ a chartered or certified accountant. Most lenders will insist that your accounts are prepared by an accountant. There is also the added bonus that you won’t have to do your own accounts anymore!
  • Avoid spending on “red flags”. Things like online gambling websites and payday loan companies are big red flags for most lenders. Steer clear of these.
  • Enlist the help of a mortgage broker. This is one of the best things you can do when you are self-employed and looking for a mortgage. A broker will be able to point you in the direction of the lenders that are most likely to give you a good rate, saving you a lot of time and money.

 

I’m ready to apply for a mortgage. What should I do next?

Now that you fit all of the criteria above, it’s time to start looking for a mortgage.

If you’re self-employed and ready to buy your first home, you probably have a tonne of questions. Get in touch and we can walk you through the process, helping to find the right lender for you. Alternatively, complete our simple application form here and we’ll be in touch.


We're rated 5/5

Gareth & Amelia Melling, Wigan

We would just like to thank you for all the hard work and time you have spend over the last few months arranging us a new mortgage deal. We will save so much. We are very thankful for securing us our first mortgage and enabling us to buy our lovely family home we will be forever grateful. Thank you for all the phone calls, emails and answering any questions I had when re mortgaging, you made the process quick and easy.

Russ and Marianne Green, St Helens

Thanks, the move went well and we are now surrounded by boxes but excited about starting the next chapter of our life in the new house. Marianne and I would like to say a huge thanks to you for your help in arranging this mortgage and will be recommending you to all our friends. It really has been a lot easier having professionals like yourselves managing the process.

Victoria

Just want to say a massive thank you for helping us buy our dream home, you made the whole mortgage application stress free! We got a brilliant deal, which was fully explained and we were kept informed throughout every step of the mortgage application journey. Whilst the mortgage application was being approved, they also sorted our insurance policies and completed a re-mortgage on another property.. absolutely brilliant service!

Rachel H, Newton-le-Willows

Your team have gone above and beyond to help me and my partner get our first house. I am so impressed by how helpful and understanding they have been throughout the process. I spoke with you on the off chance during my search for a mortgage and less than a week later we had an offer accepted on a house. Me and my partner were pretty clueless when it came to the mortgage process but thanks to the team we have now completed on our first perfect home.

Brad and Becky, Ashton

Just thought I’d drop you a quick email to say thank you for your wonderful service and helping us out massively in purchasing our first home together in Ashton. We couldn’t have done it without you and you explained everything so well and made sure we had a good understanding. Thank you again! And if we ever need more advice expect to hear from us!!