{"id":1450,"date":"2020-12-24T09:13:37","date_gmt":"2020-12-24T09:13:37","guid":{"rendered":"https:\/\/www.themortgageheroes.co.uk\/?p=1450"},"modified":"2023-09-20T14:04:36","modified_gmt":"2023-09-20T14:04:36","slug":"how-to-get-a-mortgage-when-self-employed","status":"publish","type":"post","link":"https:\/\/www.themortgageheroes.co.uk\/how-to-get-a-mortgage-when-self-employed\/","title":{"rendered":"How to Get a Mortgage When Self-Employed"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 modal nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-blend-mode:overlay;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:rgba(0,0,0,0.5);--awb-flex-wrap:wrap;\" id=\"myModal\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column 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class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-3\"><h1 style=\"margin-bottom: 20px; text-align: left;\">How to Get a Mortgage When Self-Employed.<\/h1>\n<\/div><div class=\"fusion-text fusion-text-4\"><p>Are you self-employed looking to get a mortgage? We\u2019ve put together this handy guide to self-employed mortgages to help you improve your likelihood of having your application accepted.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#f8f8f8;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-5\"><h2>Can Self-Employed Get a Mortgage?<\/h2>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:66.666666666667%;width:calc(66.666666666667% - ( ( 4% ) * 0.66666666666667 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-6\"><p>Yes, getting a mortgage when self-employed is certainly possible. You are generally considered as self-employed by lenders if you have more than a 20% share of the business from which you get your main income. You could be a sole trader, a partner or director, or a contractor who has set up a limited company.<\/p>\n<p>However, it is worth noting that you may find it harder as you\u2019ll need to prove you have a reliable income, which can be more difficult than for an employed individual with payslips. Without proof of a reliable income, lenders won\u2019t be confident that you can afford to borrow the amount you need to buy a property.<\/p>\n<\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-7\"><div id=\"red-button\"><div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#d43b6e;--button_border_hover_color:#d43b6e;--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#d43b6e;--button_gradient_bottom_color:#d43b6e;--button_gradient_top_color_hover:rgba(150,195,70,0);--button_gradient_bottom_color_hover:rgba(150,195,70,0);\" target=\"_self\" href=\"https:\/\/www.themortgageheroes.co.uk\/find-my-mortgage\/\"><span class=\"fusion-button-text\">Find My Mortgage<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last fusion-no-small-visibility\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"866\" title=\"Home movers\" src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers.jpg\" data-orig-src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers-1024x866.jpg\" alt class=\"lazyload img-responsive wp-image-408\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%271083%27%20viewBox%3D%270%200%201280%201083%27%3E%3Crect%20width%3D%271280%27%20height%3D%271083%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers-200x169.jpg 200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers-400x338.jpg 400w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers-600x508.jpg 600w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers-800x677.jpg 800w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers-1200x1015.jpg 1200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Home-movers.jpg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 900px) 100vw, 800px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-8\"><h2>Most Suitable Mortgages for Self-Employed<\/h2>\n<p>\u201cSelf-employed mortgages\u201d don\u2019t exist; the self-employed apply for a mortgage in exactly the same way as everyone else. Although you\u2019ll need to pass the lender\u2019s affordability tests in the same way as any other borrower, you will need to provide far more evidence of your income as you don\u2019t have an employer to vouch for your wage.<\/p>\n<p>Previously, there was a type of mortgage called \u201cself-certification mortgage\u201d which was specifically designed for the self-employed \u2013 this enabled self-employed individuals to self-certify how much they earnt, thus allowing them to borrow without having to prove their income \u2013 but this was banned in 2014 due to concerns that borrowers were having applications accepted for mortgages they simply couldn\u2019t afford. Lenders now implement tighter regulations and more aggressive income-assessing protocols for UK borrowers.<\/p>\n<\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-9\"><div id=\"red-button\"><div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#d43b6e;--button_border_hover_color:#d43b6e;--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#d43b6e;--button_gradient_bottom_color:#d43b6e;--button_gradient_top_color_hover:rgba(150,195,70,0);--button_gradient_bottom_color_hover:rgba(150,195,70,0);\" target=\"_self\" href=\"https:\/\/www.themortgageheroes.co.uk\/self-employed-mortgages\/\"><span class=\"fusion-button-text\">Find Out More<\/span><\/a><\/div><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#f8f8f8;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-10\"><h2>Self-Employed Mortgage Requirements<\/h2>\n<\/div><div class=\"fusion-text fusion-text-11\"><p>Those applying for a self-employed mortgage will usually need to provide the following in order to prove their income:<\/p>\n<ul>\n<li>Two or more years\u2019 certified accounts<\/li>\n<li>SA302 forms or a tax year overview (from HMRC) for the past two or three years<\/li>\n<li>A track record of regular work<\/li>\n<li>Evidence of upcoming contracts (if you\u2019re a contractor)<\/li>\n<li>Evidence of dividend payments or retained profits (if you\u2019re a company director)<\/li>\n<\/ul>\n<p>You may also be asked to show things like household bills, car finance agreements, travel\/commuting costs, holidays and more. This is because lenders will want to understand how much you spend on bills and other costs to be sure that you could afford mortgage repayments.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-12\"><h2>How Will Lenders Assess My Income?<\/h2>\n<p>How lenders assess your income will depend on which type of self-employed category you fall into \u2013<\/p>\n<ul>\n<li><strong>Sole Traders \u2013 <\/strong>Lenders will use your net profit figures based on either the last year or an average of the last two and three years.<\/li>\n<li><strong>Partnership\/Limited Liability Partnership \u2013<\/strong> Lenders will use your proportion of the net profit figures based on either the last year or an average of the last two and three years.<\/li>\n<li><strong>Limited Companies \u2013<\/strong> 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.<\/li>\n<li><strong>Freelance \u2013<\/strong> This will depend on whether you freelance as a sole trader or whether you have your own limited company.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-13\"><h2>How Long do You Need to be Self-Employed to Get a Mortgage?<\/h2>\n<p>Although the majority of lenders require two or three years of accounts, there are lenders that accept self-employed people who have only been trading for 12 months.<\/p>\n<h2>Self-Employed Mortgage Advice &amp; Tips<\/h2>\n<p>To help maximise the chances of securing your mortgage as self-employed, here we\u2019ve listed and explained some of our top tips.<\/p>\n<p><strong>Ensure all accounts are up to date &amp; get finances in order<\/strong><\/p>\n<p>The most competitive rates tend to only be offered to those with exemplary credit records. Paying off any debts, closing dormant accounts, getting on the electoral roll and making sure there are no incorrect entries on your credit report will help to improve your credit rating.<\/p>\n<p><strong>Get in touch with a professional mortgage broker<\/strong><\/p>\n<p>Not all lenders have the same criteria, which is why it can be incredibly useful to speak to an experienced mortgage broker. They\u2019ll know which banks and building societies are most likely to accept\/have stricter lending criteria so will be able to match you with a suitable lender.<\/p>\n<p>Here at <a href=\"https:\/\/www.themortgageheroes.co.uk\/\">The Mortgage Heroes<\/a>, we have access to the whole of the mortgage market and specially negotiated rates through our network Quilter Financial Planning Limited. We\u2019re experts in getting the <a href=\"https:\/\/www.themortgageheroes.co.uk\/self-employed-mortgages\/\">self-employed the right mortgage<\/a> \u2013 <a href=\"https:\/\/www.themortgageheroes.co.uk\/contact\/\">contact<\/a> our team of heroes today to get started.<\/p>\n<p><strong>Utilise an accountant<\/strong><\/p>\n<p>Many mortgage lenders prefer self-employed mortgage applicants to provide accounts that have been prepared by a chartered certified accountant as it enables them to be sure of your reliability. In fact, some lenders won\u2019t consider applications from self-employed individuals who don\u2019t have up-to-date accounts signed off by an accountant.<\/p>\n<p><strong>Make more than the minimum payment<\/strong><\/p>\n<p>Making just the minimum payments can be a sign to the lender that you\u2019re in financial difficulty. If you\u2019ve used a high % of your credit card, you\u2019ll likely have a lower credit score so try to make more than just the minimum payment.<\/p>\n<p><strong>Save for a bigger deposit<\/strong><\/p>\n<p>Like any other property purchase, the bigger the deposit you\u2019ve got, the best chance you have of securing a mortgage at a good rate. A deposit of at least 10-20% is required by most lenders.<\/p>\n<\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-14\"><div id=\"red-button\"><div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#d43b6e;--button_border_hover_color:#d43b6e;--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#d43b6e;--button_gradient_bottom_color:#d43b6e;--button_gradient_top_color_hover:rgba(150,195,70,0);--button_gradient_bottom_color_hover:rgba(150,195,70,0);\" target=\"_self\" href=\"https:\/\/www.themortgageheroes.co.uk\/self-employed-mortgages\/\"><span class=\"fusion-button-text\">Find Out More<\/span><\/a><\/div><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#f8f8f8;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-15\"><h2>Self-Employed Mortgage Rates<\/h2>\n<p>Providing you\u2019re able to supply enough information about your income, your mortgage deal should be the same as someone with a comparable salary in a permanent, full-time job; self-employed mortgages aren\u2019t generally more expensive. Your credit rating and size of deposit will most probably be the biggest factor impacting the rate you get.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-16\"><h2>Self-Employed Mortgage Broker<\/h2>\n<p>If you\u2019re looking to get a <a href=\"https:\/\/www.themortgageheroes.co.uk\/self-employed-mortgages\/\">mortgage as self-employed<\/a>, please don\u2019t hesitate to <a href=\"https:\/\/www.themortgageheroes.co.uk\/contact\/\">get in touch<\/a> with The Mortgage Heroes today. We have a wealth of experience in helping the self-employed find the right mortgage; whatever your situation, we can help. Even if you have only been self-employed for 12 months, our access to the mortgage market means we can find you the most suitable mortgage.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Mostly-Navy-BG-1024x576.jpg\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last single-post\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-17\"><h1 style=\"text-align: center;\"><span style=\"color: #ffffff;\">See More:<\/span><\/h1>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-overflow:hidden;--awb-bg-color:#f1f1f1;--awb-bg-color-hover:#f1f1f1;--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"866\" title=\"Bad Credit\" src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit.jpg\" data-orig-src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit-1024x866.jpg\" alt class=\"lazyload img-responsive wp-image-388\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%271083%27%20viewBox%3D%270%200%201280%201083%27%3E%3Crect%20width%3D%271280%27%20height%3D%271083%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit-200x169.jpg 200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit-400x338.jpg 400w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit-600x508.jpg 600w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit-800x677.jpg 800w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit-1200x1015.jpg 1200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Bad-Credit.jpg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 900px) 100vw, 1200px\" \/><\/span><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-18\"><h2>Mortgage Declined \u2013 What to Do Next?<\/h2>\n<\/div><div class=\"fusion-text fusion-text-19\"><p>Mortgage Declined \u2013 What to Do Next? In this article we look at everything surrounding declined mortgages, including the reasons behind why you may have been declined and what you should do next. Why Has My Mortgage Been Declined? If your mortgage application has been refused, it means you don\u2019t comply with your [\u2026]<\/p>\n<\/div><div class=\"fusion-text fusion-text-20\"><div id=\"red-button\"><div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-4 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#d43b6e;--button_border_hover_color:#d43b6e;--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#d43b6e;--button_gradient_bottom_color:#d43b6e;--button_gradient_top_color_hover:rgba(150,195,70,0);--button_gradient_bottom_color_hover:rgba(150,195,70,0);\" target=\"_self\" href=\"https:\/\/www.themortgageheroes.co.uk\/credit-score-mortgages-what-credit-score-do-you-need-for-a-mortgage\/\"><span class=\"fusion-button-text\">Read More<\/span><\/a><\/div><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-overflow:hidden;--awb-bg-color:#f1f1f1;--awb-bg-color-hover:#f1f1f1;--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"866\" title=\"Self Employed\" src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed.jpg\" data-orig-src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed-1024x866.jpg\" alt class=\"lazyload img-responsive wp-image-400\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%271083%27%20viewBox%3D%270%200%201280%201083%27%3E%3Crect%20width%3D%271280%27%20height%3D%271083%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed-200x169.jpg 200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed-400x338.jpg 400w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed-600x508.jpg 600w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed-800x677.jpg 800w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed-1200x1015.jpg 1200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Self-Employed.jpg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 900px) 100vw, 1200px\" \/><\/span><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-21\"><h2>Credit Score &amp; Mortgages \u2013 What Credit Score Do You Need for a Mortgage?<\/h2>\n<\/div><div class=\"fusion-text fusion-text-22\"><p>Credit Score &amp; Mortgages \u2013 What Credit Score Do You Need for a Mortgage?In this guide, our team here at The Mortgage Heroes explain everything you need to know when it comes to credit score and mortgages. What is Credit Score? Credit score is a number that represents your creditworthiness and how much of a financial risk you [\u2026]<\/p>\n<\/div><div class=\"fusion-text fusion-text-23\"><div id=\"red-button\"><div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-5 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#d43b6e;--button_border_hover_color:#d43b6e;--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#d43b6e;--button_gradient_bottom_color:#d43b6e;--button_gradient_top_color_hover:rgba(150,195,70,0);--button_gradient_bottom_color_hover:rgba(150,195,70,0);\" target=\"_self\" href=\"https:\/\/www.themortgageheroes.co.uk\/credit-score-mortgages-what-credit-score-do-you-need-for-a-mortgage\/\"><span class=\"fusion-button-text\">Read More<\/span><\/a><\/div><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 overflow-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-24\"><h2 style=\"margin-bottom: 20px; text-align: left;\">We can help you find a mortgage. Contact a mortgage hero today.<\/h2>\n<h2 style=\"text-align: left; font-size: 20px;\"><a href=\"tel:01275 405 050\"><span style=\"color: #27d5d1;\">01275 405 050<\/span><\/a><br \/>\n<a href=\"mailto:hero@themortgageheroes.co.uk\"><span style=\"color: #d43b6e;\">hero@themortgageheroes.co.uk <\/span><\/a><\/h2>\n<p style=\"text-align: left;\">Heroes available 7 days a week!<\/p>\n<p>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/p>\n<\/div><div class=\"fusion-text fusion-text-25\"><div id=\"red-button\"><div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-6 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#d43b6e;--button_border_hover_color:#d43b6e;--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;--button_gradient_top_color:#d43b6e;--button_gradient_bottom_color:#d43b6e;--button_gradient_top_color_hover:rgba(150,195,70,0);--button_gradient_bottom_color_hover:rgba(150,195,70,0);\" target=\"_self\" href=\"https:\/\/www.themortgageheroes.co.uk\/find-my-mortgage\/\"><span class=\"fusion-button-text\">Find My Mortgage<\/span><\/a><\/div><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last fusion-no-small-visibility\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-26\"><div><img decoding=\"async\" class=\"lazyload alignnone size-full wp-image-964\" style=\"width: 160%; max-width: unset; margin-left: -80%; margin-bottom: -100%;\" src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four.png\" data-orig-src=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four.png\" alt=\"\" width=\"531\" height=\"543\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27531%27%20height%3D%27543%27%20viewBox%3D%270%200%20531%20543%27%3E%3Crect%20width%3D%27531%27%20height%3D%27543%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four-66x66.png 66w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four-200x205.png 200w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four-293x300.png 293w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four-400x409.png 400w, https:\/\/www.themortgageheroes.co.uk\/wp-content\/uploads\/Superhero-Four.png 531w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 531px) 100vw, 531px\" \/><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":408,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - 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