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01494 211194

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    • Mortgages
      • Mortgages
      • Self Employed
      • Further Borrowing
      • Buy To Let
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      • 2021 Remortgage Guide
    • Protection
    • Lifetime Mortgages
      • Is This Right For Me?
    • Videos & Blogs
      • Videos
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01494 211194

Applicant Mortgage Brokers

  • Home
  • Mortgages
  • Protection
  • Lifetime Mortgages
  • Videos & Blogs
  • Offers

Self Employed, CIS Workers & Ltd Company Directors

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Applicant Mortgage Brokers

We Can Assist With...

We Can Assist With...

We Can Assist With...

  • Sole Traders
  • CIS Workers
  • Contractors
  • Limited Company Directors


You would be forgiven for being under the impression that the self employed struggle to get mortgages. This is a myth, and simply untrue.


Lenders want to lend funds, but they also need to fully understand your income. Each lender has its own way of assessing this income too, as many understand that you do not want to be taking unnecessary income out of your business.


We recommend that you have your latest 3 years Company Accounts, Personal Tax Calculations & Tax Year Overviews available (if you have traded for that long) before you begin the process.


We do have access to lenders that only require 1 year of income documents if you are a new business.


Lenders will take their own approach to the self employed applicant's income and Business Accounts. This could include the following...


  • Net Profit Before Tax on your personal tax calculation
  • Combination of Salary & Dividend income
  • Personal Salary and Share of Net Profit before Corporation Tax
  • Personal Salary and Share of Net Profit after Corporation Tax
  • Secondary Income
  • Income from UK Land & Property
  • Clear understanding of Pension Pots, Investments and Liquid Assets


Your home may be repossessed if you do not keep up repayments on your mortgage.

Next Steps

We Can Assist With...

We Can Assist With...

To begin your journey with Applicant Mortgage Brokers, please contact us in the first instance so that we can arrange your free initial Applicant Consultation, and to discuss the minimum documents that you will need to provide in order to make an application with a lender.


During the Applicant Consultation you will be required to provide us with key information and figures that will determine how we can help you, and the extent of the research required to place your mortgage.


We will then be in a position outline the process through to completion. 

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    What Documents Should I Begin To Gather ?

    Property Purchase Documents Required (pdf)

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    Remortgage Documents Required (pdf)

    Download

    Household Budget Planner (pdf)

    Download

    Do I Need A Solicitor Or Somebody To Value My Property ?

    Conveyancing & Surveying Services

    A solicitor will act on your behalf during the application process and also carry out some work for the lender. Sometimes the lender will supply you with one of their chosen solicitors, but when they do not we can provide quotes and contact details for firms that we have worked with in the past.


    When it comes to surveys you will have different options, such as a Basic Valuation, a Home Buyers Report and a Full Structural Survey. Once again, we can provide quotes from surveyors who are independent of the lender themselves.

    Mortgages

    Property Purchasing & Remortgaging

    Thank you for visiting us and for taking the time to see what we offer.


    We are here to get to know you and understand your situation, and to find the borrowing that you require for your next move or remortgage.


    Whether you are a First Time Buyer, an existing homeowner - or looking to get back on the property ladder - we are here for you. Please contact us using the details below.

    Contact Us On 01494 211194 Or Enquire Below

    By providing your details you are giving consent to us contacting you. The details you provide will be used to contact you by email, telephone or post regarding your financial requirements.

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    Applicant Mortgage Brokers

    High Wycombe, Buckinghamshire, England, United Kingdom

    01494 211194

          Applicant Mortgage Brokers Limited is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.​

    The Financial Conduct Authority do not regulate some aspects of buy to let and commercial mortgages. ​The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.  There may be a fee for mortgage advice. 

    *We will refer Lifetime Mortgage enquiries to an appointed representative of HL Partnership Ltd. 

    Applicant Mortgage Brokers Limited is registered in England and Wales with company number 12772856. 


    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP TO DATE WITH YOUR MORTGAGE REPAYMENTS 


    Copyright © 2020 Applicant Mortgage Brokers - All Rights Reserved.

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