Directors | LLPs | Contractors | Sole Traders

The Specialist Broker For Self Employed Mortgages

  • Streamlined applications
  • Exclusive rates
  • Just 1 years accounts needed
  • Client portal & real-time updates
  • Borrow using net profit
Get started
Takes 90 seconds. No credit check.
0117 205 1695
Open Mon-Fr 9am-5pm
No mortgage, no fee
Specialist lenders
Self Employed Mortgage Hub

As seen in...

Your home may be repossessed if you do not keep up repayments on your mortgage.

Great mortgage
deals for business owners

With access to a huge range of mainstream and specialist lenders, we'll quickly source the most suitable self-employed mortgage for your circumstances.

If you need a company director mortgage, income can be assessed using your salary and either your dividends or company net profit figures.

Salary and pre-tax net profit is also possible, depending on circumstances.

And we have great mortgage deals for sole traders and limited liability partners, based on net profit.

Finally, we have access to contractor mortgage lenders who'll use up to 48 weeks' income for affordability. We can even help if you're paid in a foreign currency.

get started
Takes 90 seconds. No credit check.

Mortgage Advisors That Save You Time

Welcome to the faster, more convenient way to get a self-employed mortgage.

Using the latest mortgage tech, automation and open banking, we've made your digital mortgage journey faster and easier than ever.

The result. Our mortgage advisors perform affordability and credit checks, ID verification, and product sourcing in a fraction of the time it takes with other brokers.

So you save time and hassle and get your mortgage approved quicker.

Always know how your application is progressing

Self Employed Mortgage Hub Client Portal Tablet & Mobile Image

View or edit your application details in your client portal at any time. Upload documents securely, message your advisor and monitor your application status.

Receive real-time sms and email updates as your application progresses.

You can login to your client portal on desktop or mobile app 24/7.

Discover your best deal

"Brilliant from start to finish. Graham managed to find a main high street lender who offered a brilliant rate. Would highly recommend."

Tracy Boyle - Google Business Review
get started
Takes about 90 seconds. No credit check.

Why choose us?

1

Save time

Apply quickly and easily. Our advanced end-to-end mortgage and protection platform streamlines the entire application process, removes friction and saves you time.

To get started, take our simple 90 second quiz here. We can often help, even if you've been declined elsewhere.

2

At-a-glance client portal

Login to your client portal at any time to view your application's status, upload docs or message your advisor.

You can access the portal on any device, including mobile via our dedicated app.

3

Receive real-time updates

Keep abreast of your application's progress with real-time updates. Receive an automatic SMS or email notification whenever there's a status change.

4

Specialist advisors

As true self-employed specialists, we can often help, even if you've already been declined by a bank or have unusual or complex circumstances

Discover your best deal

"Brilliant from start to finish. Graham managed to find a main high street lender who offered a brilliant rate. Would highly recommend."

Tracy Boyle - Google Business Review
get started
Takes about 90 seconds. No credit check.

What do you want to do?

Get a mortgage

Only one years accounts? Variable income? Working through an umbrella company? Whatever the circumstances, we're here to find you a fantastic mortgage deal.

Remortgage

With interest rates at unprecendented lows, it's a great time to remortgage if you're self-employed. Discover the latest fixed, discount and tracker rates.

Protect my family, home
and income

Get expert advice on a range of affordable policies including life insurance, buildings and contents insurance, income protection and critical illness cover.

Faqs

Get answers to your most common questions below...
How many years accounts do I need?

You'll usually need a minimum of one year's accounts for a lender to agree an application.

Contractors can sometimes get a mortgage approved with less than a year's books, but the lender will look at each case on it's merits.

Once an advisor has viewed your credit file (don't worry, our digital mortgage appliation process makes this very straightforward), a decision in principle can normally be made within 24 hours. Sometimes the same day.

Get started in 90 seconds

How much deposit will I need?

There are many affordable mortgage deals available with just a 5% deposit.

However, the best rates and deals are reserved for borrowers with larger deposits (25%+), as a lower loan-to-value (LTV) represents less risk for the lender.

Get started in 90 seconds

Do you run a credit search?

Not initially. We will need to see your credit report before we can provide a decision in principle. If and when you decide to proceed to an application, your lender will carry out a further credit search as part of their underwriting process.

Get started in 90 seconds

Are there any upfront fees?

Unlike some competitors, we don't charge any upfront fees. No mortgage, no fee.

A broker fee is only payable after you've received a formal mortgage offer from a lender. The fee will depend on the complexity of your case and the amount of work required to source your mortgage deal.

Your advisor will inform you of the fee in advance, once he's checked your credit file, gathered all relevant info and provided you with a decision in principle. There's no obligation at this point, and you can walk away without paying a penny if you wish.

Get started in 90 seconds

How quickly can you arrange my mortgage?

Unlike traditional brokers, our digital application process makes it quick and simple to get a self employed mortgage.

Expect a decision in principle within 24 hours of us receiving your credit report.

Each lender will have different volumes of applications to process, and therefore timeframes to turn around cases. But 4-6 weeks is common.

Get started in 90 seconds

Will my mortgage cost more?

It largely depends on your credit history. But assuming a clean bill of health, many lenders offer highly competitive rates similar to those available to mainstream borrowers.

Get started in 90 seconds

Can I borrow extra on top of what I already owe?

Yes, either by remortgaging with a new lender, taking out a further advance with your current lender, or via a secured loan (a.k.a second charge mortgage).

Just tell us your requirements and we'll let you know your options in plain english.

Get started in 90 seconds

I've got a bad credit history, can you help?

Yes. Much will depend on the severity of your adverse credit, and how large a deposit you have.

For obvious reasons, bankruptcy is the most difficult form of bad credit to source a mortgage for. But we work with lenders willing to lend within 3 - 4 years of discharge.

Get started in 90 seconds