Self Employed, CIS Workers & Ltd Company Directors

• 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.