Self Employed Mortgages Liverpool

  • Contractors
  • Freelancers
  • Director of a Limited Company

Being your own boss shouldn’t stop you from owning your own home. Whether you are a sole trader, contractor or freelancer, we can help ensure your hard work is recognised and your mortgage is approved.

Contact Us

How mortgages are different when you are Self-Employed

Whether you are employed or self-employed, the available mortgage rates and lenders are exactly the same; it is only how your income will be assessed that changes. As self-employed income is not guaranteed, mortgage lenders will look at your retrospective income to see a track record of your profit and drawings from the business, then typically average the last 2 years’ figures if your profits are increasing. There are many variations on this, though, depending on the structure of your business and the lender you apply to for a mortgage.​

Things to Consider:

  • How many years have you been trading for?

  • Are your accounts/tax returns up to date?

  • Do you leave retained profits in your business?

  • Have you recently had a change of shareholding or employment status?

  • Do you have an accountant?

  • Are you a sole trader, in a partnership or a Ltd company Director?

Contact Us
Request Callback

"*" indicates required fields

google review stars

5/5 from 301

Google Reviews

Get Self-Employed Mortgage Advice From the Experts

We’ve helped hundreds of entrepreneurs, contractors and freelancers secure the keys to their homes.

Have a Self-Employed Mortgage Question?

Speak directly to a specialist and get clear, straightforward advice. Evening appointments available to fit around you.
Call Now Email

​Benefits of Using J&M Green Mortgage Services:

  • We have access to lenders who will assess your income in various ways such as 1yrs accounts, latest year figures, retained profits both before and after corporation tax.

  • A lot of lenders will request an accountant reference to verify your income, we can liaise with our specialist contacts at lenders to assist with this process and will guide your accountant with the form where required.

  • We have dealt with in excess of 1,000 self employed mortgages over the past 20 years so have seen all shapes and sizes of businesses and have a wealth of experience with self-employed mortgages.

  • We can give you projections of your borrowing capacity based on different income scenarios so you can towards future goals and plans.

  • We will carry out in depth due diligence of your companies house listing to ensure there is nothing that could pose an issue when applying for a mortgage.

  • If you are a specialist who works on a daily rate basis, depending on your contract and experience, we have access to lenders who will use your daily rate rather than your salary and dividends when assessing your income.

  • If you are a CIS contractor through an umbrella company or taxed at source on your payslips, we may be able to use your payslips for your income rather than your end of year accounts.

Client Reviews

What Our Clients Say

Don’t just take our word for it – here’s what real clients have said about their experience with us.