Self-Employed
Yes, you can get a mortgage! There are more boxes to tick, but with our advice and early planning a mortgage is achievable. We know because we’re self-employed too!
There’s no obligation or initial cost. We like meeting our clients and getting clear on what you want and what we can offer.
Our partners
Self-Employed
Self-employed people are busy people, who value efficiency, accountability and good service. That’s what we like to deliver. You do your job while we process the application and see it through to offer as quickly and seamlessly as possible.
A mortgage works in your best interest when it fits into the overall financial structuring of your life. For self-employed applications, the presentation of your financial affairs is key to everything running smoothly. Once we have basic information, we will give you an idea of the amount you could borrow and how much you would need as a deposit.
Once we are on your team, we are always at the end of the phone with advice and guidance until you move into your own home.
“Kate and Sidonie were fantastic when handling our house purchase. It was more than just getting a mortgage; they supported us at every turn. We had challenging requirements, considering multigenerational living and options around having a business at the location as well. They came on the journey with us and exhaustively searched all options on the multiple different properties we looked at. Their patience was remarkable. I highly recommend Mortgage Yard! Thank you both.”
Our Process
Want to know more about what’s involved?
Explore each step of the process to gain a basic understanding of our process when finding you the right mortgage and helping you secure your dream home!
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A quick call to get to know each other and find out more about your plans.
Questions we will ask:
Your income and commitments
How much deposit you have
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We’ll do some research and put together possible options for us to discuss.
This could include:
How much you could borrow
How much you can buy a house for
A rough guide to the cost per month
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We’ll have a chat to discuss the initial figures, making sure they suit you. We want you to feel happy and confident with your future mortgage and we’ll spend as much time as you need to get it right.
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(also called Agreement in principle and mortgage in principle – confusing!)
The next step is to approach a mortgage lender and tell them
Who you are
What you earn and owe
What you want to borrow
The lender will run a credit check and produce a certificate confirming what you can borrow. This is the Decision in Principle.
It will give you a degree of certainty and is required by estate agents.
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Over to you to find the house of your dreams.
Don’t forget we’re here to help you through the whole process.
