Sole traders, partnerships, company directors and contractors are all assessed differently. Some lenders take an average of two years, others the latest year; some use salary plus dividends, others share of net profit; contractors can often be assessed on day rate.
We work out which approach shows your income most fairly, tell you exactly which documents to obtain from your accountant, and approach lenders accordingly.
How we help with self employed mortgages
- Sole traders, partnerships and company directors
- Contractors assessed on day rate where available
- One year's accounts considered by some lenders
- Clear document checklist for you and your accountant
Self-employed and ready to buy?
Speak to Viresh — CeMAP and Cert CII qualified, with access to over 90 lenders and more than 15 years' experience.
Not sure where to start? Send a quick message.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Typically, we charge a fee of £295, however, the actual fee will depend on your circumstances.