Can I get a mortgage if I am self-employed?
The answer is ‘yes’!
Being self-employed will not hinder you from getting a mortgage. Any lender you approach for a mortgage, whether on the high street or through a broker, will want to ensure you can afford your mortgage and will ask for proof of income. For a self-employed person, this is in the form of Tax calculations and Tax Year overviews. Most lenders will insist on at least 2 years of tax information which can be an issue for those of you in business for only a year. However, we at Finance Expert Ltd have access to lenders that will take one-year tax information. We can also put you in touch with a firm of Accountants to help you get ‘mortgage ready’ if required. Given the choice of lenders we have access to, we will find the best fit for your needs.