About SEMH

At SEMH, we believe getting a self-employed mortgage should be simpler and easier.

For too long, business owners have been underserved by the mortgage industry. With most brokers preferring to deal with the 'low-hanging fruit' of employed applications, there's a dearth of brokers with the in-depth knowledge and expertise to help self-employed applicants.

In addition, lender communication around eligibility criteria for the self-employed has often been poor.  

Borrowers have been left confused around how their business and personal income will be assessed, how much they can borrow, and what mortgage products and rates are available to them.

Our goal is to demystify all that, whilst making the mortgage application process as quick and straightforward as possible.

We look forward to helping you find a great mortgage deal.

Best wishes,

Graham Cox - Hub FS Limited director and mortgage advisor

Graham Cox MLIBF CeMAP
Founder & Director of Hub FS Limited

Graham Cox - Hub FS Limited director and mortgage advisor
Graham Cox MLIBF CeMAP

Graham Cox is the founder and director of Hub FS Limited which trades as SelfEmployedMortgageHub.com, or SEMH for short.

Based out of the pretty market town of Thornbury, South Gloucestershire, SEMH is an independent, whole-of-market broker, sourcing mortgages for business owners and entrepreneurs all over the UK.

Graham is often called upon by the national media and press for his opinions and analysis of the UK mortgage market. His commentary has appeared in The Guardian, FT Adviser, Telegraph, Evening Standard as well as many other newspaper and trade publications. He's also appeared on LBC, BBC Points West and BBC Radio Bristol.

Why choose us?


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 quick quiz and book a call with an advisor here. We can often help, (even if you've been declined elsewhere) and there's absolutely no-obligation.


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.


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.


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

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

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
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