self employed mortgage

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Jargon Buster

E-mail: Mortgage Arrangers

Mortgages for the self employed

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Mortgages have always been available for the self employed, it's just that they involve a bit more hassle, and extra scrutiny by the mortgage lenders.

Of course, if the borrowers deposit is large enough the "self cert" route is always open, but a higher interest rate is usually the result.

The problem lies in the conflict between the need to minimise the inland revenue tax bill, and the need to produce sufficiently profitable accounts to satisfy the mortgage lender of the ability to pay the proposed monthly mortgage.

However, it seems that more and more people are taking the self employed route, and the mortgage lenders would always like to lend more so where's the problem?

As long as you can prove the net profits the usual "income multiples" will be applied.

What most borrowers don't realise is the range of different income multiples available through all the UK mortgage lenders, and how they can be applied to varying circumstances to get a "yes" result.

Let us do the donkey work for you, and we will get paid by the lender (not you) for the work we do, in the form of a "procuration fee".


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

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