Self Employed

Call our team on: 01332 300 300

Tailored mortgages for entrepreneurs

Do you own your own business and are struggling to get a mortgage? We have decades of experience finding the best mortgage deals for the self-employed.

There are now more self-employed people than ever and with the added flexibility and control it can provide, we have no doubt this will keep rising. With complex income streams and different lenders setting the bar higher, our clients can find it difficult to get mortgages approved by lenders.

Here at Mortgage and Finance Arena, we’re here to help every step of the way and find you the best self-employed mortgage lender for your situation. We have access to a variety of mortgage providers, so you’ll soon be in the home of your dreams.

Please remember, as a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

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We can find the right deal for you.

If you work for yourself rather than for an employer paying a salary, you would be considered self-employed. Self-employed mortgage lenders will also consider you to be self-employed if you own more than 20% of the business that provides you with your income. In summary, you could be classed as self-employed if you are:

A contractor

We understand that as a contractor, your income and employment structure may differ from traditional employees, and securing a mortgage can be a complex process. That’s why we’re here to simplify the journey for you. Our team of experts has extensive experience working with self-employed contractors and has access to a wide range of lenders who understand the specific challenges and opportunities associated with your profession. Whether you’re a freelance professional, a consultant, or work on short-term contracts, we can help you find the right mortgage product that suits your financial circumstances.

Sole trader

As a sole trader, you play a crucial role in the business world, and we understand that your financial situation may differ from traditional employees. That’s why we specialise in offering tailored mortgage options designed specifically for sole traders like you. Whether you’re a self-employed professional, freelancer, or small business owner, we have the expertise to help you navigate the mortgage process and secure the financing you need for your homeownership dreams.

Partner in a business

Whether you’re a partner in a professional practice, a law firm, an accounting firm, or any other type of business partnership, we have the expertise to assist you in securing the right mortgage for your specific needs. Our experienced team of mortgage advisors understands the complexities of partnership income and can guide you through the mortgage process, ensuring that your financial circumstances are accurately assessed.

Franchise owner

We understand that as a franchise owner, your financial circumstances may differ from other business owners, and finding the right mortgage can be a complex process. That’s why we specialise in providing personalised mortgage options tailored to the unique needs of franchise owners like you. Whether you’re a seasoned franchise owner or just starting your franchise journey, our experienced team of mortgage advisors is here to guide you through the process and help you secure the financing you need.

Director of a limited company

We understand that as a Director, your financial situation may be unique and require specialised mortgage options. Whether you’re a Director of a small business or a larger corporation, we have the expertise to assist you in securing the right mortgage for your specific needs. We work closely with a diverse network of lenders who are familiar with the intricacies of Director income and can provide competitive mortgage options tailored to your situation.

To speak to a member of our team call 01332 300 300

Book an appointment

Working with thousands of lenders to find the right fit…

It starts right here...

We love to hear, give us a call, or fill in our contact form so we can see where you are on your mortgages journey. The more details the better!

One of our advisers will get in touch and have a chat about what you’re looking to do, discuss your potential options and answer any questions you may have. At this point we’ll also look at what [...]

We’ll look at different mortgage options, different types of mortgage and discuss which would work best for you.

Sit back and relax, your trusted advisers will help sort everything out, and soon you’ll be in your new home!

The guidance for self employed.

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What documents or proof of income do I need to provide?

You will typically need to provide proof of income to demonstrate your repayment capability. This may include tax returns, tax year overviews, business accounts, bank statements, profit and loss statements, contracts or invoices, and proof of identification and address.

How will my self-employed income be assessed for mortgage affordability?

Most lenders: Things lenders will look at are how long you have been trading for, whether you are a sole trader / partnership / Limited company and also how many properties you have – let us work through all this for you.

Are there specific mortgage lenders?

Some lenders are more favourable towards self employed. They understand the unique financial circumstances of self-employed borrowers and have flexible underwriting criteria tailored to their needs. These lenders may consider alternative forms of income verification and have a deeper understanding of the self-employed market.

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

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