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Can I get a mortgage if I am self-employed?

The answer is ‘yes!’

Do not be put off about your mortgage options if you are self-employed. Many banks only lend money from a few main providers and as such have limited mortgage options for self-employed people. Mortgage brokers like us have access to thousands of lenders and will search to find you the best fit for your needs.

Mortgage Myths

If you are a self-employed business owner you will not be able to get a mortgage, and if you do the rate will be less than ideal.
Additional products, such as insurance, are not available to self-employed people.
There is a reduced limit to the size of mortgage available to those who are self-employed.
Flexible mortgages are not available to self-employed people. You can adjust your mortgage, or pay off early should your income change.

Do’s & Don’ts

When applying for mortgage

1) Come prepared! Make sure you have all the necessary documents needed to kick-start your mortgage, this should speed up the process to secure your dream home.

2) Be transparent – we need to know the accurate information in order to make sure the deals we find you are the perfect fit for your situation.

3) Have a rough idea of the size of mortgage you will need, and how fast you would like to pay it off.

4) Don’t withhold information that could affect your application.

5) Take your time when choosing which loan is for you. You have to make sure that the mortgage you choose is the best fit for you, so don’t rush into making any decisions!

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Need Help ?

Please feel free to contact us. We will get back to you with 1-2 business days. Or just call us now

0141 328 5934
hello@financeexpertltd.co.uk

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