- Are you earning over £40,000 a year or more?
- Do you have a minimum of 2 years accounts?
- Have you had a clean credit history for the last 5 years?
If you have said yes to all of the above questions then please fill out the form for you free mortgage consultation.
If you have any issues with any of the above questions please read our Self-Employed Mortgage Guide to help you get mortgage ready.
Have you checked if you’re mortgage ready?
Banks and building societies have different requirements – so ask your mortgage advisor to confirm which documents you need to provide. Typical requirements include:
- 3 years of company accounts
- Current contract and copy of up to date CV if contracting
- 3 months of bank statements
- Joint applicant’s payslips (or accounts)
- Joint applicant’s bank statements
- 5% deposit saved (minimum)
- Clean credit history
- Minimal debts
- Personal identification
- Drivers licence or passport
- Proof of address
The key thing to remember is that you stand a good chance of getting a mortgage if you can demonstrate a history of earning as a self-employed person. And even if your records are limited, there may be ways to work around the gaps. To ensure you get the best deal, talk to a self employed mortgage expert who understands the unique factors affecting contractors, small businesses, independent professionals, and freelancers.
If you have been able to answer “yes” to all of the questions listed, please complete the form below to discuss your options with one of our expert consultants.