SELF EMPLOYED MORTGAGES

Banks often say no to self-employed borrowers - even when the business is doing well.

Income can look “inconsistent” on paper, criteria is rigid, and options feel limited.

It’s natural to worry about what happens next.

Common reasons banks decline self-employed mortgage applications:

• Irregular or fluctuating income

• Short trading history

• Retained profits not accepted

• Dividends or director’s pay misunderstood

• Complex accounts or multiple income streams

There are better options

Specialist lenders take a more realistic view of self-employed income.

With the right lender and the right structure, getting a mortgage is often still possible – even when the banks won’t help.

Self-employed mortgage specialists

We’re independent mortgage advisers who deal with self-employed mortgages every day.

• Access to specialist lenders

• Clear, honest advice

• A realistic plan to secure the right mortgage