Thousands of Self-Employed Mortgage Products
It can be hard to find the right self-employed mortgage in Birmingham, but I have helped a lot of people in the same boat get great deals.
I can help you find the lenders that are best for you because I have access to thousands of specialised products.
I work with a lot of lenders who know what freelancers, contractors, business owners, and sole traders need. I can help you find a mortgage that works for you, even if your income comes from more than one source or changes from month to month.
I will take care of the paperwork and help you every step of the way once I know what is going on with you. No stress, no jargon.
Getting a mortgage when you’re self-employed isn’t impossible. It just takes the right guidance. As your self-employed mortgage broker, I’ll help you prepare everything lenders want to see.
Here’s what lenders typically look for:
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Consistent income or salary
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Business accounts for the last two years
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Operating costs and expenses
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Tax year summaries and SA302s
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SA100 form (most recent)
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Bank statements and HMRC proof of payment
I’ll walk you through what’s needed, and when you’re ready, I’ll apply on your behalf.
Advice for Self-Employed Mortgages in Birmingham
How will a lender assess my income?
Most lenders want to see at least 2 to 3 years’ worth of accounts. These help them understand:
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How steady my income is
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What my business expenses are
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Whether I have any retained profits
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If I can repay the mortgage reliably
As your self-employed Mortgage Adviser in Birmingham, I’ll make sure your financials are prepped and presented properly, boosting your chances of approval.