We know that it may feel like an uphill battle to get a mortgage if you’re self-employed. With over 15% of the UK population now working for themselves, we recognise the importance of adapting to the evolving needs of aspiring mortgage borrowers.
Some lenders may require self-employed applicants to pick from a specific suite of products, with LTV’s that are lower than those for standard employment. We will allow self-employed applicants with two years of accounts to access our full product range. This includes access to our Self-Build, Ex-Pat, Interest-Only, Holiday Lets, Right-to-Buy and Joint Mortgage, Sole Proprietor offerings.
In addition to this, we provide solutions for self-employed applicants with only one year's accounts. These borrowers have access to our full product range, with the exception of our Ex-Pat range, with LTV's capped at 80%.