Self Employed Mortgages

Being self employed can be amazing!  The freedom to work when you want, where you want and doing the work you want.  However, getting a mortgage as a self employed individual can be frustrating, slow and extremely confusing.  That’s where The Financial Guys come in.

It can feel like banks and other lenders just don’t understand your circumstances as a self employed individual but the team at The Financial Guys has years of experience of helping self employed people just like you purchase their dream home.

Our experienced professionals can help you pick the most suitable mortgage for your unique circumstances and what is important to you – guiding you through every step of the purchasing process, being your financial sounding board and always being able to answer any question you may have along the way.

Now take a big breath, get in touch with The Financial Guys and take one step closer to purchasing your dream home.

How Can We Help?

Expert Guidance

Our team of mortgage experts understands the complexities of self employed mortgages – making sure we help you get the most suitable product to meet your financial goals.

Extensive Panel of Lenders

We’re not tied to any particular lender, so we’re only interested in getting you the most suitable product for your circumstances – not sales targets!

Modern & Streamlined Process

We know you’re busy so our process makes securing a mortgage as quick and easy as possible, using the latest technology and evening/weekend appointments to suit you.

What Do People Say About Us?

The Financial Guys Process

Mortgages for the self employed can be an effective way to invest in property. However, it’s essential to understand the specific requirements, benefits, and risks associated with mortgages for the self employed. With the right preparation and guidance, the process can be smooth and efficient. We put the essential steps in place for you to obtain a self employed mortgage, tailored to your specific needs.

Initial Chat

We’ll book you in for a completely free, no obligation chat with our mortgage team to allow us to quickly assess what options might be available to you and to answer any questions you have.

Decision In Principle

After the intial chat, we’ll ask for the information and documentation we require to get you a decision in principle – this will give us an indication of how much a mortgage provider is willing to lend you for your rental property.

Find A Property

This is the fun part where you go and find a property that fits your budget.  With our expert knowledge of the local area, we can help make sure that you don’t pay too much for a property and that you one you pick will help you achieve your financial goals.

Full Application

Once you’ve chosen the property and had an offer accepted, we get the ball rolling with a full application – and you’ll have the keys in your hand before you know it!  We’re there every step of the way, to keep you fully up to date with the process and answering any questions you have on the way.

We Hold Your Hand Every Step Of The Way

Navigating the home-buying process can be daunting, but with our comprehensive financial service, you’re never alone. We hold your hand every step of the way, providing expert guidance and support until you get your keys.

Start Today – Book No Obligation Chat

Our 15 minute initial chat allows us to assess the best way to help you and to answer any questions you have about buy to let mortgages.

About Us

At The Financial Guys, our mission is to help you achieve financial security and peace of mind. We understand that every client’s financial situation is different, and we pride ourselves on offering personalised advice that aligns with your individual goals and circumstances.

As a family-run business, we infuse our family values into every decision we make. This approach ensures that our clients remain at the heart of everything we do, enabling us to consistently deliver outstanding customer experience. Together, we strive to achieve the best possible outcomes for each and every one of our clients. In essence, we’re one big family working together to support and uplift our clients.

Disclaimer

Your property may be repossessed if you do not keep up repayments on your mortgage. The Financial Guys fees are payable on application. We may charge a broker fee of up to £695 depending on the nature/amount of work involved.

Frequently Asked Questions

How do lenders determine my income as a self-employed individual?

Lenders typically determine your income by reviewing your last two years of personal and business tax returns, profit and loss statements, and bank statements. They may also consider additional documentation to assess your financial stability and consistent income flow.

What documents do I need to provide for a self-employed mortgage application?

You will need to provide:

  • Last two years of personal and business tax returns
  • Profit and loss statements
  • Bank statements (both personal and business)
  • A list of assets and liabilities
  • Any relevant business licenses or certifications
Are interest rates higher for self-employed mortgages?

Interest rates always vary depending on your unique circumstances.  Our expert team can help you find the most appropriate deal for your situation.

Do I need a higher credit score to qualify for a self-employed mortgage?

Whilst not esseential, having a good credit score always helps. A higher credit score can improve your chances of approval and help you secure better interest rates.

How much can I borrow with a self-employed mortgage?

The amount you can borrow depends on your income, credit score, deposit, and overall financial health. We can help you get a decision in principle which will give you an indication of how much lenders are willing to lend.

Can I get a self-employed mortgage with only one year of tax returns?

Most lenders prefer to see two years of tax returns to establish a reliable income pattern. However, some lenders may consider one year of tax returns if you have a strong credit score, substantial savings, and a solid business track record.

The Financial Guys is a trading name of Platinum Financial Limited which is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

The Financial Conduct Authority does not regulate some forms of Buy to Let. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Contact

  • 0333 012 4574
  • hello@thefinancialguys.co.uk

Opening Hours

Monday
8:00 - 16:00
Tuesday
8:00 - 16:00
Wednesday
8:00 - 16:00
Thursday
8:00 - 16:00
Friday
8:00 - 16:00
Saturday
Closed
Sunday
Closed

Evening and weekend appointments available.

Find Out What Lenders See When They Check You

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Copyright © Platinum Financial Ltd. Registered in England & Wales (11298789)
Registered Address: 30 Benton Road, High Heaton, Newcastle upon Tyne, NE7 7DU

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