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The guidance and/or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK only.

There are millions of self-employed people in the UK. These people may have a problem finding self-employed mortgages from a high street lender. Those fortunate enough to be in standard full-time employment are basically guaranteed to be paid, and references from their employer can easily be obtained in proving their income. High street lenders may prefer this type of applicant as they see less risk involved.

If you are self-employed or perhaps working on a cash basis, you could be financially sound, and able to keep up your payments, but that doesn't make it any easier for you to prove you'll keep up payments to your new lender. They want to ensure that you'll be able to keep up payments for the term of your mortgage, not just over the next 12 months. If you are on a contract, you maybe are not guaranteed to get it renewed. You will need to look for a self-employed mortgage.

A high street lender will want to see a few years audited accounts from a qualified accountant or tax assessments before they usually consider you for a self employed mortgage.

Even if this information is available, your accountant may have assisted you in mitigating your annual tax bill by keeping your profits low. You may be able to get a self-employed mortgage by declaring your income or providing a declaration of affordability from your accountant.

This still requires a lot of effort and hard work. Here we try and keep things simple. So if you’re in the market for a self-employed mortgage, don’t delay pick up the phone or complete our online express application form now. Call us on 01625 503000, or apply here.

About Adverse Credit Mortgages About Remortgages About Right to Buy Mortgages About Self Certification Mortgages

The overall cost for comparison is 8.9% APR

APR is variable and based on a usual case.
Adding existing debts to your mortgage will both extend the repayment term and increase the overall cost of the debt. No Upfront fees. A fee is charged upon completion. Our fee will depend upon your circumstances, an indication is for advances up to £250,000 the charge will be £2500. For advances between £250,000-£350,000 the charge will be £2950. For advances over £350,0000 the charge will be 1% of the sum borrowed (i.e £3500).
Early repayment charges may apply. They will vary depending on the mortgage you choose.
Moneypoint Finance Limited is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register) under reference 303863.
Your home may be repossessed if you do not keep up repayments in a mortgage or any other debt secured on it.

Calls may be recorded for training and monitoring purposes.