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What is a self-employed mortgage?

A self-employed mortgage is the same as any other mortgage except that you will have to provide more evidence of a reliable income and the lender must be happy that you can afford the monthly repayments.

You will be viewed as self-employed if you own more than 20% to 25% of a business from which you earn your main income. The better your credit score the more likely you are to be lent the money. The lender will take an average of your net profit over the past two to three years if you are a sole trader or look at your share of your net profit or salary and dividends you pay yourself if you have a limited company.

Frequently asked questions

Why choose The Mortgage Brain?

We have access to over 12,000 mortgage deals with hundreds of lenders

All our advisers are CeMAP qualified to find the most suitable mortgage for you and your circumstances

You can follow your mortgage application every step of the way via our online customer portal

We have thousands of happy customers and have a 5 star rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated adviser will be with you every step of the way, from the initial consultation to the completion of your mortgage

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How our expert mortgage advice service works

We’ve made it easy for you to get in touch to start talking about your mortgage.

We know it can be a stressful experience so our expert mortgage advisers are a friendly team and will help you to find the best mortgage deal to suit your own personal situation, whether it’s your first mortgage or you are further up the property ladder. Based on your income and deposit, or equity in your current property, we will show you a range of mortgage options. Once you have decided which one you prefer, we will progress your application with the lender until your mortgage is approved.

It’s a simple and stress-free way to find a mortgage!

How our expert mortgage advice service works

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