Mortgages for Irregular earners & Self Employed

Approximately 15% of workers in the UK are self-employed and more people are choosing to supplement their 9-to-5 job with additional sources of income — these include buy to let property and other side businesses.

Being self-employed comes with many responsibilities. The last thing you need is to worry about whether you can get a mortgage. However, a recent UK study revealed more than half of self-employed people believed their chances of buying or renovating a property (either for themselves or for investment purposes) could be out of reach because they expected to get turned down for a mortgage.

Whether you are a sole trader (with just 12 months’ trading history), a limited company director taking a basic salary plus dividends, or have a business that is still recovering post-pandemic, we have access to a number of specialist lenders that can help. We will work with these lenders on your behalf to find a solution that works for your circumstances and goals. Even if you’ve had CCJs or defaults, or been turned down elsewhere, we could still find a solution that works.

If you would like to discuss options available to you, speak to a member of the team or our senior broker, Danny O’Keeffe on 0208 364 3444 alternatively schedule a call back by clicking on the button below.