0208 364 3444
Navigating the mortgage landscape as a self-employed individual, limited company owner, or irregular earner can often seem daunting.
A significant portion of the UK workforce—approximately 15%—is self-employed, and many supplement their income with secondary businesses or buy-to-let properties.
Recent studies indicate that over half of self-employed individuals feel their chances of buying or renovating a property are hindered by the complexities of securing a mortgage.
How We Can Assist You
Our award winning mortgage brokers have cultivated strong relationships with specialist lenders who understand the nuances of non-traditional earnings:
Fixed Term Contractors and New Freelancers: If you’ve recently become self-employed or are working on a fixed-term contract, we can connect you with lenders who are willing to consider less than two years of accounts.
Zero-Hour Contracts: For those on zero-hour contracts, we identify lenders who use more flexible criteria to assess income stability.
Limited Company Directors: We assist directors who take a basic salary plus dividends, or those looking to borrow based on retained company profits rather than just drawn salary and dividends.
Day Rate Contractors: For contractors earning a day rate, we have solutions that calculate borrowing potential based on your actual day rate, which can often be more favourable than the traditional salary and dividend assessment.
Get in Touch Today
With lenders continuing to make reductions to their rates and the property market starting to fire up again after the summer holiday period, this is the perfect time to speak to us about your mortgage options.
Get in touch now on 0208 364 3444 alternatively click here to schedule a free consultation call.