Self Employed Mortgages2023-09-01T10:14:40+00:00

Self Employed Mortgages

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Self Employed Mortgages

Being self employed means lenders treat you differently, and getting a self employed mortgage is a job for a specialist self employed mortgage broker like Manchester Mortgages.

There are various types of self employed mortgage that depend on whether you are a sole trader, in a partnership, a Limited Company Director, or a contractor ( CIS ).

Getting a Self Employed Mortgage

With over 70 years combined experience, Manchester Mortgages will find the right lender for your personal circumstances to make sure you get the right self employed mortgage. Each year we typically broker over 100 self employed mortgages for our clients.

Self employed mortgages are often unique products (rather than typical off the shelf products used for employed people) and lenders take a very different approach to how they lend to self employed people. Their lending criteria is often a lot more onerous and stringent. You need a good mortgage broker for navigating self employed mortgages and our services will get the job done and save you time, money, and hassle.

Manchester Mortgages has access to ALL self employed lenders, thus we make sure that we’ll get you the very best self employed mortgage for you circumstances.

Don’t go to a bank or building society for your mortgage because these institutions will only sell you their own products, even when there are much better alternatives available. Manchester Mortgages are in touch with ALL lenders and we will take time to fully understand your situation so we can 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.

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 )

Self Employed Mortgage Case Studies

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

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.

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.

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.

More information about getting a mortgage whilst being self employed

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