Self employed mortgages.

Rewarding the risk takers!

Whether you have been self employed 12 months or more, we can help find you a mortgage. We remove the barriers.

We are experts in getting the self employed mortgages. It’s as simple as that!

Self employed. No problem!

It doesn’t have to be hard to get a mortgage being self employed.

Whether you are a Sole Trader, Partnership, Limited Liability Partnership (LLP), Limited Company or even a Freelancer, we have lenders that can accommodate your situation. The Mortgage Heroes have a wealth of experience in placing mortgages for the ‘risk takers’ that have taken the leap of faith and set up as self-employed.

Call 01275 405 050 today or complete your details online to speak to a hero!

Your home may be repossessed if you do not keep up repayments on your mortgage.

Helping people who work for themselves.

Complete the short form below and a hero will contact you about finding your self employed mortgage shortly.

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Our heroes are ready.

Let’s sort your mortgage!

Get in touch

Our heroes are ready, day or night. Whether you’re looking for your first mortgage or remortgaging, we can help you find a mortgage and guide you through the process. We aim to get things moving within a few hours!

Find the right mortgage

The Mortgage Heroes will research the whole market to find the right mortgage for you. We will talk you through the process and let you know what things cost, and what we’ll need. We do the legwork!

Job done. Horray!

Once we have everything in place, we will guide you through to the finish line. Following that, we will proactively look to support you in the future to ensure you have the most suitable mortgage in place.

Heroes now.

And in the future.

Our experienced team at The Mortgage Heroes are passionate about ensuring our clients get the most suitable mortgage for them, now and in the future. We will be in touch once your mortgage is coming to an end and look at the options available to you.

How did the heroes help you?

The Mortgage Heroes were absolutely fantastic. Simeon is so professional and helpful, and kept us up to date with everything and had our self employed mortgage in principle within 48 hours. I would recommend to everybody – thanks again for your help!

It’s possible…

Let us help you get a mortgage!

We can help the self employed get a mortgage fast. All we need to know is your income!

Rumours of the difficulties around getting a mortgage when you are self employed are not strictly true. In our experience, all it takes is the right mortgage broker that understands your situation. All you need is a hero.

Frequently Asked Questions

Things you should know about self-employed mortgages.

It’s true that the self-employed typically find it harder to get a mortgage, but it’s certainly not impossible. There are several ways to prove your income to the lenders and we can help guide you.

Yes, we work with lenders that can help even if you have only been trading for 12 months.

This will depend on which type of self-employed category you fall into. Let us break this down for you:

  • Sole Traders – Lenders will use your net profit figures based on either the last year or an average of the last 2 and 3 years dependant on which lender we feel is best suited to your personal situation.
  • Partnership/Limited Liability Partnership – Lenders will use your proportion of the net profit figures based on either the last year or an average of the last 2 and 3 years dependant on which lender we feel is best suited to your personal situation.
  • Limited Companies – There are three main elements which the lenders look at when assessing your affordability for your mortgage. These are Directors Salary, Dividends and Net Profit.  Some lenders will work from the Net Profit and the salary you have drawn from the business over the last year. The majority of lenders however will work from your Directors salary and the amount of dividends that you have drawn from your business.
  • Freelance – This will depend on whether you freelance as a sole trader or whether you have your own limited company, so please read the section that is most suited to how you are set up as the guidelines will be the same.

Get in touch

We can help you find a mortgage. Contact a mortgage hero today.

01275 405 050
hero@themortgageheroes.co.uk

Heroes available 7 days a week!