Self Employed?

The self-employed often have complicated income structures that include salary, dividends, retained profits, etc. As specialist advisers, we can help navigate this complexity and present your case to lenders in a way they understand and appreciate.

Profits may vary from year to year, which can make it harder to prove a steady income. We can help by identifying lenders that are willing to look at the average income over several years or those that will consider your most recent year of higher income.

Owners of newer businesses might struggle because they lack years of accounts or a track record of success. We can connect you with lenders who specialise in financing individuals of new businesses.

Directors with high net worth might have substantial assets but a lower regular income, which can complicate mortgage applications. We can assist in identifying lenders who consider overall wealth and assets, not just income.

Directors of limited companies sometimes leave money in the business for tax efficiency. We can find lenders who'll consider retained profits when assessing affordability.

Like anyone else, can have past credit issues. We know which lenders are more flexible and understanding about past credit problems.

The self-employed may be part of complex business structures such as partnerships, holding companies, and subsidiaries. Traditional lenders may struggle to understand the financial intricacies of these arrangements. As specialist advisers, we're experienced in dealing with complex business structures. We can effectively communicate the details of your business structure and its financial health to the lenders, helping them understand your mortgage affordability.