Self Employed Mortgage Advisers

Financing your first home, or forever home, when you’re self-employed

The freedom that comes from working for yourself can be liberating and rewarding. But when it comes to finding a mortgage as a self-employed individual, you might find you need to jump through a few more hoops than someone who’s employed.

That said, once you’ve proven you can afford the repayments, have a good credit history and sound finances, you should be able to access the same deals as anyone else.

Working for yourself often results in variable, or unpredictable earnings, which makes it more difficult to be accepted for a mortgage. Lenders are likely to ask for more extensive proof of income, to give them the reassurance that, despite those fluctuations, you’ll be able to meet your obligations. After all, lenders have the right to repossess your home if you do not keep up repayments on your mortgage.

Mortgage Advice for Business Owners

To satisfy potential lenders, you’ll generally need to provide at least two years-worth of accounts, compared to the three months’ of payslips and bank statements required for employed applicants. To improve your chances of being accepted for a self-employed mortgage, you should also aim to build up a significant deposit – anything over 20% will open up the choice available. Boosting your credit score will be beneficial too, so take some time to understand your current score and what steps you could take to improve it, before applying for a mortgage.

Most importantly, make sure you shop around to find the right deal – ideally with the help of an independent mortgage expert. While it’s tempting to go straight to your bank or building society for a self-employed mortgage, there are many other options out there. An independent financial planner will be able to walk you through the process, compare mortgages from across the market, and recommend the right deal for you.

Self-employed mortgage advice

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Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

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