Self Employed Mortgage
Self Employed Mortgage solutions tailored for contractors and freelancers. Expert guidance, whole-of-market access, and stress-free support. Contact us today!
Self Employed Mortgage Advisors
Finding the right mortgage as a self employed individual or contractor can be more complex than for salaried employees. Without a fixed income, you may have encountered challenges in securing a mortgage. At Bradgate Financial Solutions, we specialise in tailoring mortgage solutions to suit your unique circumstances, making homeownership achievable for the self employed.
Our whole-of-market approach allows us to search for the most competitive deals, ensuring you receive the best possible mortgage to match your financial situation.
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How Does a Self Employed Mortgage Work?
A Self Employed mortgage works similarly to traditional mortgages, but lenders will assess your financial stability differently. Instead of relying on payslips, they typically consider your income from tax returns, accounts, or contracts.
We evaluate your financial documentation, such as SA302 forms, tax calculations, and business accounts.
We match you with lenders who specialise in Self Employed or contractor-friendly mortgages.
From gathering paperwork to submitting the application, we guide you through every step.
Our goal is to make the process seamless, ensuring you can secure a mortgage with confidence.
Benefits of Choosing a Self Employed Mortgage with Us
At Bradgate Financial Solutions, we pride ourselves on delivering exceptional service to self employed clients.
We help:
Stress-Free Process
Why Choose Bradgate Financial Solutions?
Our Self Employed mortgage team puts your needs first, ensuring a smooth process from start to finish. We begin by thoroughly assessing your financial circumstances, allowing us to provide personalised advice. With our support, you’ll have all the right paperwork, a fully completed application, and regular updates throughout the journey.
Our approach includes clear communication and consistent guidance, ensuring you feel informed and supported every step of the way. Whether you’re a contractor, freelancer, or small business owner, our expertise makes the process stress-free.
Our Mortgage Solutions
In addition to Home Mover Mortgages, we offer a variety of mortgage services to meet diverse needs:
- First Time Buyer Mortgages: Ideal for those entering the property market for the first time.
- Right to Buy Mortgages: Ideal for council tenants looking to purchase their homes under the Right to Buy scheme.
- Remortgages: Helping you switch to a better rate, release equity, or consolidate debts.
- Home Mover and Purchase Mortgages: Designed for those moving to their next property, these mortgages streamline the process of buying a new home.
- Adverse Credit Mortgages: Solutions for individuals with poor credit history to secure a mortgage.
- Buy to Let Mortgages: Designed for property investors looking to rent out residential properties.
- Portfolio Mortgages: Simplifies financing for landlords managing multiple rental properties.
- Self-Build Mortgages: Provides funding for constructing your own home.
- Ex-Pat Mortgages: Assistance for UK nationals living abroad who want to purchase property in the UK.
These options ensure we can support you at every stage of your property journey.
Common Questions About Self Employed Mortgages
Do I need a large deposit for a Self Employed mortgage?
How many years of accounts do I need?
Can I still get a mortgage with irregular income?
What documents do I need for a Self Employed mortgage?
What if I’ve been declined for a mortgage before?
At Bradgate FS we aim to make choosing and applying for a mortgage, protection, loan or insurance as stress-free as possible.
Don’t let your employment status hold you back from owning your dream home. Contact Bradgate Financial Solutions for a free consultation and expert advice on securing the perfect Self Employed Mortgage. With our expertise, the process is straightforward and stress-free.