self employed mortgage

Expert advice for self employed homebuyers

Let us take the stress out of buying a home when your self employed. We'll find you a mortgage and handle all the paperwork, saving you time and  hassle

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  • Self Employed
  • Low deposit
  • Poor credit
Why choose us

We find mortgages for self employed

When you’re self-employed, time is valuable, so let our mortgage brokers handle the mortgage rates, application, and everything in between.

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Save Time

Don’t waste your valuable time researching mortgage rates and completing lengthy application forms. We’ll take care of it for you.

Save Money

Save money on your mortgage with better rates and lower application fees, it could mean big savings on your monthly payments.

Get Exclusive Rates

Your mortgage adviser has access to 1000’s of mortgage rates and exclusive offers that that may not be available to you directly.

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I'm self employed

Can I get a mortgage

We hope so. Our mortgage experts can guide you through the entire process. We'll help you:

  • Find the right mortgage Discover exclusive mortgage rates and personalized advice tailored to your unique financial situation.
  • Simplify the process Let us handle the paperwork and negotiations, so you can focus on the more exciting things in life.
  • Ensure mortgage affordability: We'll make sure you qualify for a mortgage you can comfortably afford, giving you peace of mind.
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self employed mortgage help

Your mortgage questions

A self-employed mortgage is a type of home loan designed specifically for individuals who are self-employed. These mortgages often have different requirements and criteria compared to traditional mortgages for employed individuals.

To qualify for a self employed mortgage in the UK, you generally need to have been self-employed for at least two to three years.

You may also need to provide proof of income, such as tax returns, accounts, or bank statements. Some lenders may also require a guarantor or additional security.

When applying for a self-employed mortgage, you may need to provide the following documents:

 - Proof of identity
 - Proof of address
 - Tax returns for the past two to three years
 - Business accounts and bank statements
 - Proof of income, such as invoices or contracts

While it might be more challenging compared to someone with a good credit score, our mortgage brokers work with lenders who specialise in offering mortgages to individuals with poor credit history or CCJs. 

Interest rates for self-employed mortgages can vary depending on several factors, including your credit score, the type of mortgage, and the lender. However, they may be slightly higher than rates for employed individuals due to the perceived risk associated with self-employment.

Here are some questions you can ask your mortgage adviser:

  1. How much can I borrow?
  2. What type of mortgage is best for me?
  3. What are the interest rates and fees?
  4. What are the monthly repayments?
  5. What happens if I can’t afford to make my repayments?
  6. What are the pros and cons of different mortgage products?

Fixed-rate mortgages: With a fixed-rate mortgage, your interest rate will stay the same for the entire term of the mortgage. This can provide peace of mind, as you know exactly what your monthly payments will be. However, if interest rates rise, you will not benefit from the lower rates.

Variable-rate mortgages: With a variable-rate mortgage, your interest rate will fluctuate based on the Bank of England base rate. This means that your monthly payments may go up or down, depending on the market. However, if interest rates fall, you will benefit from the lower rates.

Tracker mortgages: A tracker mortgage is a type of variable-rate mortgage that tracks the Bank of England base rate. This means that your interest rate will always be a certain percentage above the base rate.

Discounted mortgages: A discounted mortgage is a type of variable-rate mortgage that is offered at a discount to the lender’s standard variable rate (SVR). This means that your interest rate will be lower than the SVR, but it may still fluctuate.

First time buyer scheme: Help to Buy: Equity Loan | Shared ownership | The Mortgage Guarantee Scheme

Your first meeting with a GHL Direct mortgage adviser is completely free and doesn't commit you to anything. We'll chat about your mortgage goals and see how we can help.

Just to be upfront, our mortgage advisers might charge a fee based on how complicated your situation is. Some mortgage brokers charge a one-time fee, while others earn a commission from the lender. Your adviser will explain everything clearly before we start

Ready to find a mortgage

Our mortgage brokers know the lenders likely to offer on self employed mortgages, sit back and let us take the stress out of buying a home.

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.