Self-Employed Mortgages

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Helping you to find lenders who offer self-employed mortgages

We understand the difficulties borrowers experience when trying to secure competitive deals for self-employed mortgages. Proving your income isn’t always a straightforward process, particularly if you’ve only started up your company in the last few years.

In the past, self-employed workers could apply for a “self-cert” mortgage which allowed them to simply tell the mortgage lender what they earned. These types of mortgages no longer exist and lenders now require you to show at least one year’s accounts or SA302s. The amount you will be able to borrow is generally dependent on your last few years’ profit, so the more accounts you can show the better.

Before using a comparison website or remortgaging with your current lender, you should speak to a qualified Mortgage Adviser to ensure that you are aware of the best deals available to suit your needs. Our team can access every lender across the whole of the mortgage market and have many years of experience working with self-employed borrowers. We know based on your income, accounts and needs, which self-employed mortgage lenders to approach.

Here are a few reasons why you should contact our team of Mortgage Brokers:

  • You are self-employed and have a limited trading history, possibly just one year’s accounts or SA302s
  • You want to borrow more for home improvements, to consolidate debt or for any other legal purpose
  • You want to purchase your first home
  • Your current mortgage deal is ending soon
  • You want to pay more off your mortgage each month but your current lender won’t let you
  • You want a fixed mortgage product so that your payments won’t go up or down
  • You want a better rate
  • You want to switch from an interest-only to a repayment mortgage
  • You have some current or historic adverse
  • Your home’s value has greatly increased since you purchased it

Find Out How Much You Could Borrow

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers

£
£

You could borrow up to

Calculate Your Monthly Payments

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers

£
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Years
%

It would cost

The Latest Best Buys

Our best buy tables allow you to compare thousands of products to give you an indication of the types of mortgages available to you. Please be aware that the information is computer generated and relies on certain assumptions, like your credit commitments and monthly expenditure.

When you’re ready for an accurate quote that is personalised to your individual requirements, call our Mortgage and Protection Advisers on 01702 533 400 for a free no obligation quote.

Why Use Ingard?

Search and compare every leader in the mortgage marketplace

We compare every lender in the marketplace, which means we can access lenders who only deal directly with qualified advisers.

Speak to a qualified mortgage advisor

Our qualified advisers are salaried, so you can be sure that you are receiving the best impartial advice.

We promise you'll have one advisor start to finish

We promise that you won’t be passed from pillar to post. One of our qualified advisers will deal with your application from start to finish.

Free initial consultation

Your initial consultation is completely free. We will only charge you a fee if you decide to proceed with your application.