Self-employed & director mortgages
Self-employed or a company director and looking for a mortgage? The information lenders want is different, and it varies lender to lender. Angela specialises in matching self-employed applicants with the lenders who understand how you actually pay yourself.
Who this covers
- Sole traders
- Company directors
- Contractors
- Newly self-employed
Your accounts, read properly
Most high-street lenders want a minimum of 12 months' trading and a full year's accounts. But how income is assessed varies enormously: salary and dividends, retained profits, day rates - different lenders read the same business very differently.
The job is knowing which lender reads yours most favourably, and preparing the application the way their underwriters expect.
Based in Benfleet, Essex - advising clients across the whole of the UK.
From clients who stood where you are
Could not fault Angela and A Little Advice, they helped us through every step of the process and helped me and my partner secure a mortgage within 6 weeks. They helped with everything and answered all our questions. I had some adverse credit and my partner was self emplolyed but Angela managed to secure us a mortgage. 5 stars all the way, I will be recommending Angela.
Fair questions, straight answers
How long do I need to have been trading?
Most high-street lenders want at least 12 months' trading with a full year's accounts. Some specialist lenders take a different view - Angela will tell you where you stand.
Self-employed AND some credit issues?
A common combination, and a solvable one. It narrows the lender list, which makes choosing the right one first even more important.
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Self-employed and need a mortgage?
One year's accounts, retained profits, day rates - we know which lenders understand self-employed income.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898