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Self Employed Mortgage Advice in Essex

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Self Employed Mortgage Advice in Essex

Self employed in Essex? Speak to a mortgage expert today and receive tailored guidance for your individual employment circumstances.

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Advice for Self Employed Mortgages in Essex

Whether you’re a company director or a sole trader, you may have noticed that some high-street lenders have stricter lending criteria for applicants looking to obtain a self employed mortgage in Essex. This is because you’ll need to provide further evidence that you have a reliable income.

The good news is there are numerous of ways to provide that you have reliable income to a mortgage lender it’s just a case of jumping through a few extra hoops. With the help of ourmortgage advisors in Essex, they will provide you with expert advice and search 1000’s of products to find you the most suitable deal to match your current circumstances.

There are plenty of ways to prove that you have a reliable income to a mortgage lender. The good news is you have a chance of obtaining a mortgage. It’s just a case of jumping through a few extra hoops.

We always recommend new/ existing customers to pursue expert Mortgage Advice in Essex before starting your mortgage process. No matter what type of business owner you are, we believe the service from a Mortgage Broker in Essex will help to find you the most suitable self employed mortgage to match your current circumstances.

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Self Employed Mortgage Advice in Essex

Self Employed Mortgage Advisors in Essex

We have helped many self employed applicants like yourselves get onto the property ladder. If you feel that your case is a bit complex, the good news is chances are that our Mortgage Advisors in Essex have likely encountered applicants in similar situation like yours at some point before.

Our Mortgage Advisors in Essex will guide you during the entire self employed mortgage process, providing open and honest mortgage advice in Essexand doing our best to increase the odds of achieving your mortgage goals.

If you are looking to obtain a mortgage and want to know your options, book your free mortgage appointment today to speak with one of our dedicated Mortgage Advisor in Essex. We have worked alongside many self employed applicants in Essex, like yourself, obtain a mortgage. Some in similar or different scenarios and still helped them get onto the property ladder.

We aim to help as many self employed applicant as we can, by securing them the most suitable deal. We do this by utilising our knowledge of various lending criteria, which we’ve built up quite the track record in finding success with this. The main different between how lender access a self employed applicant in Essex to a fully employed applicant is how you evidence your income.

For example, you can sufficiently evidence everything and remain honest to yourself and the lender. In luck, you’ll hopefully run through the process smoothly and find success, just like any employed applicant would.

I've been declined by bank for a self employed mortgage, can we help?

In case you are denied by your bank or building society for not meeting their stringent lending requirements, you might want to consider seeking the assistance of a broker. This way, you can explore specialised products catering to self employed individuals.

We are pleased to offer our support throughout your self employed journey. To schedule your free self-employed mortgage appointment, please don’t hesitate to contact us.

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Self Employed Mortgages FAQ's

How many years do you have to be self employed in Essex to be able to get a mortgage?

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Typically, you will need to have a minimum of two years of self employment experience to be eligible for a mortgage from the majority of lenders.

However, there are instances where you may encounter lenders who require only one year of self employment experience.

Do applicants of a self employed mortgage in Essex must pay higher rates?

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As a self employed individual, you are eligible for the same mortgage products as first time buyers, home movers, and others. However, the evaluation of your income by the lender may differ during the mortgage application process.

It’s worth noting that your credit score and affordability will still play a significant role in determining the type of deals you can access. This is true for all mortgage applicants, regardless of their employment status.

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Our Simple Mortgage Process

Book Your Free Mortgage Appointment

Step 1

Get in touch with our team to book yourself in for a free mortgage appointment with a mortgage advisor in Essex.

Speak With Your Mortgage Advisor In Essex

Step 2

In your mortgage appointment, you will need to answer some of your dedicated advisor's questions in order for them to build a picture of your finances.

It's time to submit your mortgage application

Step 3

As soon as you have agreed to the mortgage recommendation provided to you, your mortgage advisor in Essex will resume by submitting your full mortgage application to your lender.

Through every step of the process, an expert case manager will update you until you receive your official mortgage offer and complete your purchase.

Keeping you and your mortgage protected

Step 4

We go beyond getting you a mortgage. As well as securing you the most suitable mortgage deal, we will also recommend relevant insurance to protect you.

Our team will contact you about the date of renewal of your mortgage to make sure you are always on the best deal.

Reasons to Choose Us

Specialist Situations

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As a specialist mortgage broker in Essex, our team are here to support you through your mortgage process from the initial point of contact to obtaining the keys. These sorts of situations may need specialist support and knowledge from an expert advisor. Our team will work in overcoming any hurdles that may arise so please don't hesitate to get in touch.

Our team are available 7 Days a week

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Our friendly and trusted mortgage advice team are available every day of the week so you contact us at a time that is convenient for you. With our flexible service, you can schedule a consultation at your convenience, even if it's outside of normal business hours. Whether you prefer morning, afternoon, or evening appointments, our team is always there to assist you.

We have a brilliant reputation of helping many self employed applicants in Essex

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Our team have extensive experience with self employed mortgages with over 20 years in the industry. Utilising both our experience and knowledge, we can provide you with the expert mortgage advice in Essex you need!

Malcolm and Amy Davidson - Mortgage Advice in Essex

We Search 1000s of Self Employed Mortgages in Essex

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Common Self Employed Mortgage Scenarios

Combined Income

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If you are a business owner who is self-employed, your total earnings would comprise of not just your salary but also any dividends or directors’ loan you might have taken.

Busy Business Period

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As your company is going through a busy phase, you might need the assistance of a mortgage advisor based in Essex.

Keep Net Profit Within Business

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You would keep the vast majority of your net profit within your company, instead of paying yourself a larger salary.

Trading For Less Than 1 Year

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Your business has been trading for less than one year.

Banks' Strict Lending Criteria

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You have a good credit score, however, you are unable to match the banks’ strict lending criteria.

Self Employed Mortgage Advice in Essex

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You are in need of self employed mortgage advice in Essex as the owner of a company, a director, a sole trader or a business partner.

Mortgage Guides & Essexmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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