Your home may be repossessed if you do not keep up repayments on your mortgage.
Self-employed mortgage advice from brokers who understand how your income actually works. Retained profits, dividends, day rates, contract income and CIS returns packaged properly, so lenders see the full picture.
Retained profits don't show on your tax return as income, so high-street affordability calculators understate what you actually earn by 30 to 60 percent.
Most lenders want two to three years of accounts before they'll consider you, even when recent performance is strong.
SA302s, tax year overviews, company accounts, CT600s. The paperwork list grows, and one missing document delays everything.
We use lenders who consider salary plus net profit for directors, or retained profits inside the limited company. Your real earnings, counted properly.
Several lenders accept a single year of accounts for established contractors and directors with strong industry track records.
A single clear list of what's needed, sent upfront. One round, not five. Your accountant will thank you.
Sole trader, limited company, or contractor. Each has different document needs, so it's the first thing we confirm.
Last two years of SA302s if sole trader, or salary plus dividends plus retained profit if limited company. We'll tell you what works.
Property value, deposit and timeline. We match your earnings profile to the right lender from the first call.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Self-employed cases need brokers who understand the income structure as well as the mortgage market. Our senior team places directors, contractors and sole traders every week.
Yes, for contractors and established directors with strong industry backgrounds. Specialist lenders accept a single year of accounts where the picture is strong.
Good ones count both. The best ones also add retained profits for limited company directors. We work only with those.
Two years of SA302s and tax year overviews for sole traders; two years of company accounts plus personal SA302s for directors. Sometimes a single year suffices.
Typically 4.5 to 5 times your net profit plus salary, depending on the lender. For directors with retained profits, this can stretch further.
Usually a simple accountant's certificate confirming your income. We'll request it directly so it slots into the application cleanly.
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