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Thousands of Self-Employed Mortgage Products
With our fast and friendly mortgage advisors in Birmingham by your side, navigating the mortgage world becomes much less stressful. We’ll support you throughout the entire process, guiding you through each step and being readily available to answer any mortgage-related questions.
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Our advisors have extensive knowledge of lenders' self-employed lending criteria. Having worked with independent self-employed clients from diverse backgrounds, we use our broad panel of lenders to find the most suitable deal for your needs.
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We have access to thousands of competitive self-employed mortgage products. Once we find the right deal for you, we can start preparing your mortgage application if you choose to proceed.
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Our mortgage advisors in Birmingham are available seven days a week, so you can reach out at a time that suits you best. Take advantage of our free self-employed mortgage consultation today.
Securing a mortgage when you’re self-employed can be a bit more complex, as you'll need to prove a steady income. But with the help of a mortgage broker in Birmingham, it’s definitely achievable.
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Lenders will need to be confident that you can afford the mortgage, so they will look at several factors, including:
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Your income or salary
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Your accounts from the past two years
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Business operating costs and expenses
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Bank statements
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Tax year overviews and tax year calculations for the past two years
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The most recent SA100 form
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Proof of payment of the most recent tax due to HMRC
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Our mortgage advisor in Birmingham is available 7 days a week, so you can get in touch at a time that suits you. Make the most of our free mortgage appointment to start your journey
Advice for Self-Employed Mortgages in Birmingham
How will a lender assess my income?
Most high street lenders will require at least 2 to 3 years’ worth of accounts, which should detail your income, expenses, and operating costs. This information helps them determine if you can make timely mortgage repayments. Additionally, some lenders will review any retained profits within your business and factor this into their affordability assessment.