If you're a new customer looking for a mortgage, please contact a mortgage broker. They'll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends and family for personal recommendations.

 

We take a different approach

When you're self-employed it can feel like there's a lot of hoops to jump through to find a mortgage because of your accounts and complex income. So, from builders to plumbers, techies to contractors, whether you're a limited company or sole trader, we'll look at the big picture. We assess every application on its own merits, so we can apply a bit of common sense.

We provide the flexibility to use the highest combination of salary and dividend OR salary and share of net profit when assessing income and affordability (for those with 2 years' accounts). If you’re a self-employed contractor (with no other employees), we can also consider your affordability assessment on an employed gross income basis. Just a few of the ways we're backing self-employed borrowers.

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Our other mortgage options

  • First time buyer mortgages

    We know how difficult it can be for first time buyers to get onto the property ladder. That's why we have a range of mortgages to choose from, including low deposit options.

    First time buyer mortgages
  • Customers with credit problems

    Having a less than perfect credit rating shouldn't automatically stop you from getting a mortgage. We always take the time to look at an application on its own merits, so we can find more ways to say "yes".

    Mortgages for customers with credit problems
  • Buy to let mortgages

    We specialise in buy to let mortgages for all types of landlords, particularly larger and more established portfolio landlords, including those operating under a limited company structure.

    Buy to let mortgages

Subject to status. Credit will be secured on your home. Your home may be repossessed if you do not keep up repayments.


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