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Not too long ago it was relatively easy for a self-employed person to get a mortgage with what was know as self-certification or more commonly self-cert mortgages.
However, these products have dwindled and are now no longer available, even to independent mortgage brokers.
But don't despair! We are still arranging mortgages for the self-employed. The only difference these days is that you need to prove your income.
Of course, there are many differences between mortgage lenders in their criteria regarding applicants who work for themselves. And this is where a mortgage broker comes in!
Normally, a lender will want you to have been self-employed for two to three years but it is also possible to obtain a mortgage through a mortgage broker with only one years' proof of income available.
If you use an accountant, the lender will ask to see either the recent accounts or may ask your accountant to simply fill in a certificate stating your last two to three years' income. If you self-assess you will need to provide evidence (from HMRC) regarding the income disclosed for tax purposes. This is a very straight forward procedure.
Please remember that most lenders will also class you as self-employed if you are a company director with more than a 20% share - even if you are employed by them. In this case, you will still be assessed as a self employed applicant, even if you would class yourself as being employed! Contact us for further information.
A qualified professional mortgage advisor will contact you to discuss your requirements. When you're ready to proceed, your advisor will help find the best options for your specific circumstances.
We engaged Malcolm's services after being turned down by a number of banks as we wanted to do a Let to Buy mortgages. He managed to get mortgages for both the house we wanted to buy and our original one which we wanted to Let. We were involved in a very complicated chain such that we have had to ask Malcolm to renew the mortgage twice for us. In both cases Malcolm was more that very helpful and he communicated every step and kept us updated all the time. We could call him any time of the day including evenings. I would highly recommend Malcolm to anyone. He even visited us at our new house to make sure we were happy with everything after completion.
Great service from Malcolm, we had to renew our mortgage several times as our house sale was part of a chain, his knowledge in mortgages is amazing and he helped us so much and did not tire! We would strongly recommend his service. He also linked us with solicitors and insurances, excellent service, we could not ask for better!
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