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Mortgages for the Self-Employed
Getting a mortgage while being self-employed should not be a difficult or stressful process. Here at Woodason Financial Services we understand the differences being self employed bring, and we will work with you to ensure your application goes smoothly - leaving you more time to focus on your business.
We understand the differences being self-employed brings to life
Here at Woodason Financial Services we have dedicated ourselves to making obtaining a mortgage while self-employed as easy as possible - leaving you more time to focus on what matters most - your business.
You may have been rejected by mortgage lenders who have offered mortgages to your employed peers. This is something we often come across, but do not worry - every adviser at Woodason Financial Services is also self-employed, meaning they understand the differences between you and someone who is employed. We have all the tools to make your mortgage application a success, making the process easier and less stressful for you.
Let us guide you through the process
Getting a mortgage whilst self-employed presents its own set of challenges and complications compared to traditional employment. Applicants with jobs have income from employers, and are typical seen as safer borrowers by mortgage lenders.
This is because as a self-employed individual you may not have consistent earnings. This can make it more difficult for you to demonstrate financial stability to lenders. As a result, many mainstream lenders hesitate to approve self-employed borrowers, or they may limit the amount you can borrow.
However, do not worry – our team of experienced self employed mortgage advisors are here to help. We have access to many mortgage providers, including some that will only work with intermediaries such as ourselves, to assist you in buying your new home.
This allows our expertise in mortgage advice for the self employed to help in streamlining the process of getting you a mortgage offer.
As a team of self employed individuals we understand the unique challenges you face.
As someone who is self-employed, there are many different ways to present your application to a lender - and that can have a big effect not just on whether you will be approved, but also how much you may be able to borrow. Some specific circumstances we can assist with are:
• Applicants with 1 years accounts
• Using only the latest years income to maximise borrowing
• Using retained net profit
• Applicants working under the CIS
• Bad credit
• ...and many more!
A standard broker may struggle to find you the mortgage that achieves what you need. You want someone who understands the difficulties self-employed individuals face when applying for a mortgage. You want someone who works to achieve what you want and treats every mortgage as if it were their own, leaving you free to focus on your business. You need Woodason Financial Services.
Frequently Asked Questions
We understand you will have many questions. We have answered the most common ones below, but please do not hesitate to contact us at any time to discuss your particular requirements.
What makes Woodason Financial Services different from other mortgage brokers?
Woodason Financial Services specialises in helping individuals, business owners, and investors with unique circumstances secure mortgages. Unlike many other brokers and lenders, we will never refuse to take on a case. Our general expertise and knowledge in these niche areas allows us to provide tailored solutions that other brokers might not offer.
How can Woodason Financial Services assist me?
Woodason Financial Services can assist you by understanding the specifics of your particular situation and working with lenders who are more flexible and experienced with your specific needs. We offer personalised advice, help you gather the necessary documentation, and guide you through the entire mortgage application process, making it less stressful and more manageable.
What types of mortgages can Woodason Financial Services help with?
Woodason Financial Services can assist with a variety of mortgage needs including purchasing a new property, refinancing an existing mortgage, or investing in property. Our goal is to find the best mortgage solutions that fit your specific circumstances and financial objectives.
What documentation will I need to provide?
Typically, you will need to provide documentation of your bank statements, proof of identity, and proof of income. Woodason Financial Services will guide you through the exact requirements based on your situation and ensure you have everything needed for a successful application.
How do I get started with Woodason Financial Services?
Getting started is easy. Simply contact us to schedule a consultation. We’ll discuss your specific needs, assess your financial situation, and outline how we can help you achieve your mortgage goals.
What particular "difficult" mortgages do you specialise in?
Woodason Financial Services specialises in all tricky circumstances. Particular highlights include:
• 5% deposit mortgages for clients in the UK on a visa
• Day 1 mortgages for clients moving to the UK on a visa
• Bad credit mortgages, including clients facing receivership or bankruptcy
• Helping foreign nationals who have never been to the UK invest in UK property with a mortgage
• ...and many more!
No matter how impossible you think it is - please contact us today, completely free, for our help and advice.
Our guides
Buying UK Property On A Visa
Our brochure will help you arrange finance without being distracted from your life. We are experts in helping clients in the UK on a visa buy property in the UK, whether you intend to live in it, or as an investment. Download it below, completely free.
Buying Your First Home Guide
This guide is a must-have for those who have not bought their own home. It explains and breaks down in plain English the steps needed to get a mortgage to buy your first home. Best of all, you can get it now for free by clicking below.
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IMPORTANT INFORMATION
Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.
We may charge a fee for mortgage advice in exceptional circumstances. The amount we charge will be confirmed before any charge is incurred. Please refer to the Terms of Business or contact us for further information.
woodason.co.uk is a trading name of Thanet Mortgages Limited which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Think carefully before securing other debts against your home. Not all forms of bridging finance, secured loans, buy to let and commercial mortgages are regulated by the Financial Conduct Authority.
Woodason Financial Services Limited is never directly compensated to provide opinions on products, services, websites, and various other topics. The views and opinions expressed on this website are purely those of the authors. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.
This site does not contain any content which might present a conflict of interest. Woodason Financial Services Limited makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to or from this site.
Registered in England & Wales under company no: 15330673.
Registered address: 76 High Street, Brierley Hill, West Midlands, United Kingdom, DY5 3AW.
YOUR HOME OR PROPERTY IS AT RISK IF YOU ARE UNABLE TO MAINTAIN PAYMENTS ON ANY MORTGAGE OR LOAN SECURED AGAINST IT.
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