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Mortgage Specialists

Mortgage Experts - Your Guide to Affordable Loans

A good mortgage deal when you are self-employed can be hard work to secure (and when you are self-employed you know the true meaning of hard work!). Active will do that legwork for you, whilst you focus on running your own business.

Entrepreneurs and self-employed business owners are what keep this country running and our economy growing. Active do not want you to be distracted from running your business: stressing and struggling to secure a mortgage deal that reflects the work you do and the income you generate.

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Let us guide you through the process

Our preparation tips for successfully applying for a mortgage if you are self-employed include:

Step 1

Prepare your certified earning reports for as far back as possible, at least two years but some lenders may ask for 5 years. So it’s best to have as many as you can. You need to show that your business is profitable.

Step 2

HMRC tax reports – for at least the last two years

Step 3

Contracts – you need to prove that your earnings will continue. Remember you are proving to a lender that your business is secure, and they can be confident in your ability to pay back the mortgage. This could potentially be more important if your business has had a slower year recently.

Step 4

Use a chartered accountant to sign off your accounts; a mortgage lender will look more favourably if you do.

Step 5

Check on your credit score and look at improving it before the application. This can be done in a number of ways: ensuring you are paying off as much credit card debt as possible; you are on the electoral roll; and paying your bills on time.

Self Employed Mortgages | Mortgages for The Self Employed - Active Financial

There are no special self-employed mortgage rates available from lenders, instead it is about being able to obtain a mortgage deal, without the security of an employer confirming your income.

Use our self-employed mortgage calculator today to see how much you could borrow and what type of mortgage rate you might be able to get.

There are more steps involved in securing a mortgage when you are self-employed, but it is not impossible: a specialist self-employed mortgage adviser can take the task on for you.

Are you wondering how to get a mortgage when you are self-employed? The answer is simple: ask Active. Our expert mortgage advisers help business owners like you every day, to find the mortgage deal that you deserve. 

Self-employed mortgage lending is our speciality, and we have experts that focus exclusively on finding top notch mortgages for our self-employed clients. So, you know you are in safe hands.

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What our clients say...

5/5
I can not recommend Active Mortgage highly enough, they not only met, but exceeded every expectation, and without them, I doubt very much that I would have the home and great mortgage rate that I do today! As a single first-time buyer with a complicated income, they approached my situation and options with positivity & confidence. No query was too daft, everything was explained clearly and the entire process was as just about stress free as a house purchase can be.
Lauren Carter
Great customer focussed company. This company is knowledgeable, professional and efficient. Highly trustworthy to deal with individual needs. Would highly recommend
Lynn Ward
Can't thank the team enough for helping me and my family buy our dream home. Wouldn't use anybody else, highly recommend.
Daniel Clarke
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