Self-Employed Mortgages
At Watt Mortgage, we’re here to make securing a mortgage as a self-employed individual simple and stress-free. With our specialised experience and support, we’ll help you find the right mortgage without the hassle—no myths, just straightforward guidance.
Important Reminder: Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Working with your accountant
We work closely with your accountant to gather all the essential financial information needed to present your profile accurately. This collaboration allows us to pinpoint the right lenders for your situation, ensuring precision in assessing both your income and borrowing potential.
Assessing your income based on lender criteria
Lenders assess self-employed income in various ways. For limited company directors, some count salary plus dividends, while others use salary plus net profit. We’ll guide you to the approach that maximises your borrowing potential.
Options for various trading histories
Contrary to popular belief, not all lenders require three years of accounts. Most lenders look for two years’ worth of accounts or figures from HMRC, but we also have access to lenders who accept just one year of accounts. So, even if you’re newer to self-employment, we may still have options available for you.
Ready to take the next step?
Get in touch with us today for expert mortgage advice tailored just for you. We’ll handle everything from start to finish, ensuring a smooth and stress-free process. Let’s find the right solution for you—no strings attached.
Self-employed mortgages made simple
Looking for a mortgage as a self-employed individual? At Watt Mortgage, we specialise in mortgages tailored for business owners, freelancers, and contractors, making it easier to secure the right deals available. With expert knowledge and a deep understanding of self-employed finances, we help you navigate lender requirements and secure a mortgage suited to your unique needs.
Expert guidance for self-employed clients
Whether you’re a sole trader, limited company director, contractor, or partner in an LLP, our team understands the ins and outs of the self-employed mortgage process. We’ll guide you in preparing the right documents, work directly with your accountant, and ensure you understand how lenders view self-employed income. Since some lenders focus on salary and dividends while others consider net profits, we present your profile in the best possible light to maximise your borrowing potential.
Lender options for different trading histories
The myth that self-employed mortgages require many years of trading history is outdated. Many lenders will work with just one or two years of accounts, and our team knows where to look to find flexible options—even if your business is relatively new. We have access to lenders who value your hard work and business success, regardless of your trading history.
Start your self-employed mortgage journey today
At Watt Mortgage, our initial consultation is free, allowing you to explore your options with no commitment. With our team by your side, securing the right mortgage for your self-employed lifestyle is possible. We’re here to help you achieve your homeownership goals, no matter how complex your income structure.
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