Obtaining a mortgage in the current climate can be a difficult task on its own without the added complications self-employment can create.

The benefits of flexibility you might have with your job can create a headache when it comes to obtaining a mortgage.

Using a Mortgages To Go expert adviser will ensure that your mortgage is placed with the right lender and that it offers all the flexibility that you may require from your mortgage.

Things To Consider

You will generally be treated as self-employed if you are a sole trader, own a franchise, if you have greater than a 25% shareholding or income is not PAYE

Mainstream lenders will usually want to see evidence of income for 3 years trading and this may be requested in the form of 3 years certified accounts or 3 years of SA302s and tax year overviews.

Your SA302s and tax year overviews can be requested direct from HMRC or printed from your online self-assessment account.

It is important to have this information to hand for your Mortgages To Go expert to be able to offer you the most suitable advice.

For those newer to self-employment who have less than 3 years trading then a new mortgage becomes more difficult. There are some mainstream lenders along with some specialist finance houses who will still lend, but the criteria is more varied and you may well be paying a higher interest rate to offset their risk. Please call in and speak with us today to assess your circumstances.

Suitable Mortgage

As independent mortgage brokers we have access to all the high street lenders you will know of plus a vast array of specialist lending institutions than can help with even the most difficult of scenarios. Let a Mortgages To Go expert help you through the minefield.

Progressing Your Purchase

We will continue to liaise with the lender to ensure a mortgage offer is issued within a suitable time frame. Our case handlers will happily liaise with the Estate Agent and your Conveyancer where required and ensure the process is as smooth as possible for you right to completion.

Estate Agents are always keen to know that you are in a good financial position and able to proceed as quickly as possible. We will liaise regularly and are happy for the agent to call in for progress updates where required.

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