Self Employed Mortgages
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Mortgage Broker for THE Self-Employed
Understanding self-employment structures for mortgage purposes is fundamental to presenting the case to the lender. Whether it’s a sole trader, limited company directors, limited liability partnership, CIS contractors or day rate contractor working under an umbrella corporation.
Our Home Group Advisers specialise in understanding your self-employed and contractor circumstances and work with lenders to help them understand your structure and income.
Can I get a mortgage as a Day Rate Contractor?
Yes, we specialise in understanding your self-employed and contractor circumstances and work with lenders to help them understand your structure and income.
As a self-employed applicant, lenders will require SA302 Tax returns as proof of income. However if you are a ‘day rate contractor’ with experience in a similar line of work, mortgage lenders can look to use your ‘day rate’ as the gross income and often this means lenders, for criteria purposes, will treat you as Employed
How will lenders review my income as a Limited Company Director?
As a limited company director we can look at Salary, Dividends, Company Net Profit and in some case Retained Profits. Our role as a Home Group Adviser is to work closely your Accountant to ensure we understand the income and profits of the business to present this in the right manner to the mortgage lender.
Check out our Full Guide to Self-Employed Mortgages
Learn more about your Mortgage options
Our Advisers understand Self Employed, Contractors and Limited Company Director income types as well as working closely with lenders that offer Bespoke Underwriting for Self-Employed borrowers giving you a hassle-free experience.
Specialist Self-Emplopyed Mortgage Advice
We understand that running a business is hectic and at the time of sorting your mortgage, it can be stressful.
Our mission at Home Group Financial is to eleviate that stress and make it hassle-free as possible by completing the work for you.
Find the Perfect Self-Employed Mortgage for Your Unique Needs
Navigating the mortgage market as a self-employed professional can be challenging, but we’re here to make it simple. Whether you’re a sole trader, freelancer, contractor, or company director, our Advisers specialise in helping self-employed individuals secure the financing they need to purchase or remortgage their home. With a range of potential suitable options designed to suit diverse income structures, we’re confident in finding a mortgage that aligns with your goals and circumstances.We search a comprehensive range of mortgage lenders from across the market.
Why Choose Us for Your Self-Employed Mortgage?
- Understanding Unique Income Profiles: We know the intricacies of self-employed income, from dividends to fluctuating monthly revenue. We work with lenders that recognise and can consider various income documentation, so you have more options available to you e.g. SA302s, Company Accounts or in some cases an Accountant Reference.
- Access to Lenders: Our connections to lenders that specialise in self-employed mortgages help us find flexible, competitive mortgage solutions tailored to self-employed clients.
- Personalised Advice and Support: Our advisers work closely with you, reviewing your financial situation in detail to recommend the most suitable products for your needs.
- Advice on Improving Affordability: From understanding company accounts we can look at giving you the best opportunity to maximise your borrowing with access to lenders that can understand a view of your business overall profits.
