Regardless of whether you are a first-time landlord, a professional landlord or run a self-employed business, we have mortgage products specific to your circumstances.
We're here to help you find a mortgage and save money.
How to purchase or remortgage if you are self-employed
We recognise that in the past it has been an issue for those who are self-employed to get a mortgage. This is why it is imperative that you use a mortgage broker to guide you through this process. It can be a simple transaction, however, there are certain criteria that must be met and some lenders can be strict on who they will and won’t accept.
MortgageCube has a dedicated team to help with self-employed mortgages, they know exactly what each lender is looking for and how to help you secure the best deal.
Getting a mortgage when self employed : lender requirements
Don’t be worried by some of the stories that you hear about people being turned down for self-employed mortgages. Our advisers will be with you every step of the way.
The key thing lenders look for if you are self-employed are:
- • Whether you have 2 years accounts
- • What sort of company are you, for example a sole trader or a limited company
- • What income do you take from that company, be it dividends or net profit
Most high street lenders will look at you as a self-employed applicant, it’s all about if you fit their affordability, but this is the same for any employed applicant as well.
At MortgageCube, our mortgage expertise will allow you to flow through the process without any nasty surprises and with our backing as your mortgage broker, will always give you a better chance to get the right mortgage for you.
Looking for a mortgage expert that specialises in self employed mortgages?
If you are looking for a mortgage advisor or consultant with low broker fees and you not only want to find out more about the mortgage process, but want to find the best mortgages in the UK, available to you, call our advisers on 01482 870668 now or request a call back.