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Self-Employed Mortgages

We know that running your own business can be hard, so our pledge to you is that applying for a mortgage won’t also be a challenge.

Whether it is as a contractor, sole trader, partner or a shareholding director of a limited company, the number of people choosing to be self-employed is growing and so our options for hard working entrepreneurs is too. In fact we strive to be as individual as you.

Ideally you’ll have at least two years of accounts to evidence your earnings but if your business is newer than that we’ll still hope to find a way to help to ensure you have the same opportunities as anyone else.

Our skilled team will work with you from start to finish and are able to consider even the most complex of incomes; dependent upon your circumstances we can use a combination of salary, dividends, net profit, HMRC disclosed income (including from other sources not linked to your business) and retained reserves.

We know that being self-employed can be unpredictable so we also offer the option to pay off more into your mortgage when times are good*, in order to help you pay off your mortgage sooner.

So, from plumbers to personal trainers and techies to tennis coaches we understand that like you your business is individual and needs an individual approach to help get you on or up the ladder.

So to find out more simply contact us using the details above!

*Overpayments of up to 20% of the original amount borrowed can be made annually between the 1st April and the 31st March without incurring any penalty cost where the mortgage product is subject to an Early Repayment Charge (ERC), and you may pay the entire sum owed back without any penalty cost where mortgage product doesn’t have such an ERC, or after the ERC period has expired.

Click on one of the products below to find out more

PRODUCT DISCOUNTED
FOR
STANDARD
VARIABLE
RATE (SVR)
INITIAL RATE
PAYABLE
APRC EARLY
REPAYMENT
CHARGE PERIOD
MAX
LTV
BOOKING/ ARRANGEMENT FEE
Newly Qualified Associate Dentists – Stepped 5 Year Discount from SVR Mortgage as follows 2.00% Yrs 1 and 2 1.50% Yrs 3, 4 and 5 5 YEARS 5.24% 3.24% Yrs 1
and 2, 3.74%
Yrs 3, 4 and 5
(Collar 2.5%)
4.7% 5 years 90% £125 – Upfront Booking Fee
First Time Buyers Discount Mortgage SVR less 2.25% 5 Years 5.24% 2.99%
(Collar 2.5%)
4.5% 5 Years 95% £125 – Upfront Booking Fee
No Early Repayment Charge SVR Mortgage N/A 5.24% 5.24%
(Collar 2.5%)
5.5% N/A 75% £125 – Upfront Booking Fee Arrangement Fee 1%
Stepped 5 Year Discount from SVR Mortgage – Purchase only as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 5 YEARS 5.24% 3.39% Yrs 1,
2 and 3 2.99%
Yrs 4 and 5
(Collar 2.5%)
4.6% 3 Years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Stepped 5 Year Discount from SVR Mortgage – Remortgage only as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 5 YEARS 5.24% 3.39% Yrs 1,
2 and 3 2.99%
Yrs 4 and 5
(Collar 2.5%)
4.6% 3 Years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR – Purchase only less 2.25% for 5 years 5 YEARS 5.24% 2.99%
(Collar 2.5%)
4.5% 5 years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR – Remortgage only less 2.25% for 5 years 5 YEARS 5.24% 2.99%
(Collar 2.5%)
4.5% 5 years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR less 1.95% for 5 years 5 YEARS 5.24% 3.29%
(Collar 2.5%)
4.6% 5 years 75% £125 – Upfront Booking Fee £699 Arrangement Fee
Discount Mortgage SVR less 1.65% for 5 years 5 years 5.24% 3.59%
(Collar 2.5%)
4.8% 2 years 75% £125 – Upfront Booking Fee £699 Arrangement Fee
Discount Mortgage SVR less 1.45% for 5 years 5 years 5.24% 3.79%
(Collar 2.5%)
4.8% 5 Years 90% £125 – Upfront Booking Fee £599 Arrangement Fee
Discount Mortgage SVR less 1.00% for 5 years 5 Years 5.24% 4.24%
(Collar 2.5%)
5.0% 3 Years 90% £125 – Upfront Booking Fee £599 Arrangement Fee
Self-build Mortgage SVR less 0.25% for 5 years 5 years 5.24% 4.99%
(Collar 2.5%)
5.4% 2 years 50% on land and up to 75% at stage release £125 – Upfront Booking Fee £999 Arrangement Fee
Standard Variable Rate Mortgage N/A 5.24% 5.24%
(Collar 2.5%)
5.4% 2 years 90% £125 – Upfront Booking Fee £399 Arrangement Fee

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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