Self Employed Mortgages

We specialise in offering self employed mortgage products, specifically designed to service the particular needs of our clients. We have many years of experience matching specialist mortgages suitable for the increasing numbers of home buyers, who work for themselves.

With a large number of Self Employed mortgage deals on the market, it can be really confusing and time consuming deciding which is the best option for you. There are so many things to be taken into account when choosing a suitable deal.

For example, some products have "tie ins" or "overhangs", which may not make it cost effective, some have high arrangement fees, or high lending charges, etc. A detailed explanation of these terms are provided in our printable version of a mortgage glossary.

We will explain fixed rates, discounted rates, flexible mortgages, standard variable rates and all other aspects, so that you are then in a good position to make an informed decision about your new mortgage.

There are also a wide range of interest rates on offer from the lenders depending on your particular circumstances. The most competitive rates are available to borrowers who have not experienced credit problems, have a substantial deposit, and income which matches the lender's income multiples.

Sometimes, for a number of reasons, a client cannot provide proof of an income. Certain Self Employed Mortgage lenders offer a mortgage based on the applicant self certifying their own income. A more substantial deposit is required in these particular circumstances, generally around 10% of the value/purchase price.