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We Specialise In Self-Employed Mortgages
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Boost Your Borrowing
Borrow up to 6 times your income with only one year's accounts. We have access to specialist income boosting lenders not available to the general public.
Searching For a Solution?
No matter if you are a limited company director, sole trader, partner, freelancer, landlord; we have the right mortgage solution for you.
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Keep Money In The Bank
You only need a 5% deposit (or equity if a remortgage). This will allow you keep back money for home improvements, debt consolidation, future purchases, etc.
Self Employed Experts.
Unlike most mortgage lenders, our team understands financial accounts.
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Latest Year Figures
Retained Profit
Gross Profit
If there is an upward trend in income across the last few years, it makes sense to your latest year only (instead of averaging).
If you decide to keep money in the business, this can still be used in the affordability calculation.
Our lenders will consider using gross profit, instead of net profit, which will help to maximise your mortgage.
Financial projections
If you have expecting to have a highly profitable year, it is possible to use a predicted figure in your affordability calculation.
You will need to get a letter from your accountant or draft accounts to evidence your projected income. You will need to be most of year through the year - you couldn’t get a projection based on the first few months. Additionally, you will need to provide a credible explanation for the increase in profit.
For instance, if you earned the following:
2023 - £100,000 (projected income)
2022 - £50,000
2021 - £30,000
Most lenders will take an average or lowest figure of 2022 and 2021, which means you can borrow based on an income £40,000 or £30,000. However, if you can get an accountant’s projection, you borrow based on the latest year and the projection (£75,000). This will allow you to borrow significantly more than before.