Mortgages for Self-Employed People
Self Employed Mortgage Experts
Navigating the mortgage market as a self-employed individual can be challenging, but at HTG Mortgages, we’re here to make the process easier. We understand the unique financial circumstances of self-employed professionals and are committed to helping you secure the best deals on mortgages for self-employed people tailored to your needs.
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About
Our approach.
Understanding mortgages for the self-employed.
Securing a mortgage when you’re self-employed can differ from the traditional route. Lenders often require more documentation to verify your income and assess your ability to repay the loan. This might include:
- Recent tax returns
- SA302 forms or tax year overviews
- Business accounts
- Proof of consistent income
- Evidence of future contracts or income streams
When it comes to mortgages for self-employed people, lenders will also assess the most suitable mortgage term for your circumstances, ensuring repayments are manageable and sustainable.
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How HTG Mortgages Can Help
At HTG Mortgages, we specialise in finding mortgage solutions for self-employed individuals. Our experienced advisors will:
- Assess Your Financial Situation: We take the time to understand your unique financial circumstances, including your income patterns, business performance, and the right mortgage term for your goals.
- Find the Best Deals: With access to a wide range of mortgage products from over 90 high street lenders, we identify competitive rates and favourable terms that suit the needs of those seeking Mortgages for Self-employed People.
- Guide You Through the Process: From gathering the necessary documentation to submitting your application, we provide step-by-step support to ensure a smooth and stress-free experience.
- Offer Expert Advice: Our knowledgeable advisors are always available to answer your questions, provide clear explanations, and help you make informed decisions about your mortgage and mortgage term.
Understanding Self-Employed Mortgages
- Personalised Service: We tailor our services to match your specific needs and goals, ensuring you receive the best possible advice and support for mortgages for self-employed people.
- Expert Knowledge: Our team has extensive experience in dealing with self-employed mortgages, giving us the expertise to handle even the most complex cases and help you choose the right mortgage term.
- Wide Lender Network: With connections to a diverse range of lenders, we can find mortgage options that might not be available through traditional banks, covering different rates and mortgage term
- Hassle-Free Process: We handle all the paperwork and communication with lenders, so you can focus on running your business while we take care of your mortgage.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Frequently Asked Questions
Some lenders may require more than one year of accounts, but we can help you find those willing to consider shorter trading histories when arranging mortgages for self-employed people.
Lenders may look at your average income over the past few years. We can guide you on how best to present your financial information and secure a fair mortgage term.
Not necessarily. While having a larger deposit can improve your chances, we can help you explore options with standard deposit requirements and flexible mortgage term arrangements.
