Self-employed mortgages are a type of mortgage designed for people who work for themselves and run their own businesses.
Is it difficult to get a self-employed mortgage?
In most cases, getting a self-employed mortgage can be more challenging than getting a traditional mortgage because self-employed individuals may have irregular income or be seen as higher risk by lenders.
The key is to be well-prepared and to have all the necessary documentation to prove your income and affordability. This may include tax returns, business accounts, and other financial statements.
It’s important to work with a mortgage advisor who has experience with self-employed mortgages to help navigate the process and find the best option for your situation.
What counts as self-employed?
As per most lenders, self-employed refers to individuals who work for themselves and run their own business or trade, rather than being employed by someone else. This can include freelancers, contractors, sole traders, and business owners.
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