Self Employed Mortgages2021-05-24T09:04:59+00:00

Self Employed Mortgages

Self Employed Mortgages

Being self employed means lenders treat you differently.

There are various ways of being self employed – you maybe a sole trader, in a partnership, a Limited Company Director, or a contractor ( CIS ).

Let Manchester Mortgages find the right lender for your personal self employed circumstances.

Why you need a good mortgage broker for navigating self employed mortgages.

Lenders take a different approach to how they lend to self employed people and some lenders will lend to you as long as you have a minimum of 12 months trading accounts ( subject to status ).

Manchester Mortgages has access to all lenders who can HELP!

This is the time when you need a whole of market adviser who fully understands your situation and is able to match your requirements with the most appropriate lender to your particular circumstances.

We are able to meet with you at a time and place convenient to you at your home or your place of work.

We will get a full understanding of your self employed situation, what you are wanting to achieve and then research the whole of the market and make a full recommendation .

Once we have mutually decided and agreed the best way forward and you are ready to make a mortgage application we will advise you what paperwork is required and will ensure the process runs smoothly.

We will keep you fully informed how your mortgage is progressing until completion and encourage you to ask any questions you may have.

We will also provide you with advice on how to protect your mortgage and mortgage payments should the worst happen.

Email us

Or Call us on 0161 706 0242

Self Employed clients we have arranged mortgages for

“We contacted Manchester Mortgages after being recommended by our Solicitor.

As I am self employed I had difficulty in the past obtaining a Mortgage.

The whole process was made simple and the communication was excellent.”

Simon, Gatley, Self Employed Mortgage

“I needed to remortgage my property quickly to pay for home improvements due to my wife falling ill.

I was concerned due the fact that I had only been self employed for 4 years.

Manchester Mortgages explained everything in great detail, recommended a solicitor and I was able to remortgage within Four weeks of my initial enquiry .

A Fantastic, Professional and Friendly Service.”

Joel, Ramsbottom, Self Employed Remortgage

“Manchester Mortgages were able to help me with my Buy to Let portfolio I own in my Limited Company.

Great Service from everybody I spoke with.

Nothing was to much trouble.

We will definitely be using Manchester Mortgage the next time we buy a property.”

Catherine & Julie, Chorlton, Self Employed Buy to Let Mortgage

FAQ’s about Self Employed Mortgages

Most lenders require 2 years accounts / SA302 / tax year overviews, however some lenders will accept only 1 years accounts.

Yes – lenders will lend to Limited Company Directors ( subject to status )

Yes – lenders will lend to Contractors / CIS  ( subject to status )

Case Studies

A few examples of how we have helped individuals and couples
secure a mortgage with self employed status.

https://manchestermortgages.co.uk/case-study-self-employed-right-to-buy-re-mortgage/

Self Employed Right to Buy Re-Mortgage

Our client had purchased his council property three years ago with his partner through the Right to Buy Scheme.

View case study
Self Employed Right to buy re-mortgage

House Purchase for a CIS Contractor

Manchester Mortgages were contacted by one of our existing clients in Chorlton as they had sold their exiting property and were wishing to buy a bigger property.

View case study

Give us a call on 0161 706 0242 or fill in the Contact Us Form and let us help you through the mortgage process – we guarantee you will not be disappointed.

Contact us

More information about getting a mortgage offer whilst being self employed

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