Sole Traders & Partners
In the past self-employed people could access “self certification” mortgages with little or no proof of income but this type of mortgage is no longer available. Nowadays, it is far more difficult for the self-employed to obtain a mortgage unless they are able to supply 3 years accounts prepared by a qualified accountant to prove their income
How we can help
After many years of specialising in this field, we have access to a network of contacts with leading High Street lenders and financial institutions which we use to ensure that your mortgage application is dealt with by an underwriter who understands your employment status. If you prepare your own self-assessment records and have the revenue calculate the tax you may have a form SA302 which some lenders will consider. We also work with lenders that will consider as little as one years accountants if there is a consistent track record of work and contracts for the future.
This approach will allow you obtain a mortgage now rather than having to wait until you have an established a 3 year track record.
Our advisors will complete all of the paperwork for you and you will also be able to see the progress of your application anytime with our on-line tracking tool.
Having helped you buy your dream home by securing the best possible mortgage deal we will advise you on how to ensure that you are able to maintain future mortgage payments should your circumstances change.