Self Employed Mortgages
If you're self-employed, getting a mortgage can sometimes feel more complicated than it should.
Whether you're a sole trader, limited company director, contractor or freelancer, one of the biggest frustrations is that your income doesn't always fit neatly into the boxes some lenders prefer.
You might have a growing business, fluctuating income, or choose to leave money in the company rather than draw it personally. On paper, that can sometimes make your finances look very different from the reality.
The good news is that being self-employed doesn’t stop you getting a mortgage. The key is finding a lender that understands how you earn your income and how to assess it properly. While some lenders have strict criteria, others are far more flexible and will look at your circumstances in a different way.
How we can help
That’s where good advice makes all the difference.
At IMS, we take the time to understand your business, your income and your plans before recommending a lender. As whole-of-market advisers, we have access to a wide range of lenders, including specialist providers that aren’t available directly to the public.
We help self-employed clients every day, from first-time buyers and home movers to landlords and business owners looking to remortgage. Our job is to make the process as straightforward as possible, giving you clear advice and guiding you through every step.
If you’re not sure where to start, we’re always happy to have a conversation and talk through your options.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Book a telephone appointment
We are looking forward to discussing your mortgage options. To make the most of our appointment, please have the following information to hand:
- Your income details
- Any outstanding debts (including monthly payments and outstanding balances)
This initial mortgage consultation is free of charge, and allows us to gather the information we need about your circumstances and mortgage requirements.
Once we have reviewed your details and supporting documentation, we will arrange the next stage of the process with one of our mortgage advisers, who will research the market and provide personalised mortgage recommendations. Should you decide to proceed with an application, our broker fees are typically:
- £699 – First Time Buyers, Home Movers and Remortgages
- £995 – Buy-to-Let, Semi-Commercial and Commercial Mortgages
We will call you at your scheduled appointment time from the following number:
0208 0044 274
People before property
See for yourself by checking out our reviews on Trustpilot and Google
“We had an amazing experience with Michelle as our mortgage advisor. She was incredibly helpful, friendly and professional throughout the whole process. She always replied very quickly, even outside normal working hours, and was always happy to answer any questions we had. Thanks to Michelle, the whole mortgage process was quick, easy and completely stress-free. We really appreciate all her help and support and would highly recommend her to anyone looking for a mortgage advisor. Thank you so much, Michelle! ❤️”
“Very helpful, supportive and efficient team – our experience with them has been great so far, highly recommend!”
“Very simple process to renew a mortgage – Michell did identify some new providers; however, in the end, staying with the current provider proved most appropriate and even updated arrangement with cheaper interest rates in the immediate days preceding the expiry date – all very simple and straightforward – would recommend”
“My partner and I were first time buyers and the thorough and timely support of Michelle and her team made the process of securing our mortgage quick and stress-free.”
“Really good communication and speed of response. This was our first time buying so Michelle really helped us through the process.”
Credit Checker
Knowing where you stand financially before you start your property search makes the whole process simpler. Our free credit checker gives you an instant picture of your credit score and history, so there are no surprises when it comes to your mortgage application. It takes minutes, it will not affect your credit rating, and it puts you in a much stronger position before we speak to lenders on your behalf.
Get your free credit score
When applying for a mortgage, it’s so important to have a good credit score. Once you’ve obtained this, you have a much higher chance of being approved for credit.
- Try it FREE for 7 days, then £14.99 a month – cancel online anytime