Self-Employed Mortgage

Verify Your Income Easily & Secure Your Home With Our Expert Consultants

Self-Employed Mortgage Advisors

At Hawke Financial Services, we specialise in offering effective self-employment and contractor mortgage solutions that will give lenders the confidence to invest in you. A self-employed mortgage is an invaluable solution that allows clients without the security of registered employment to secure the maximum borrowed mortgage value to acquire their dream property.

What Are Self-Employed Mortgages?

Applying for a mortgage as a self-employed individual can be difficult. Without payslips to prove your income you’ll need to present a lot more documentation to give lenders the confidence to approve your mortgage. A self-employed mortgage can offer this credibility and security that will see mortgage lenders approve your application.

How Does This Work?

To have your self-employment mortgage approved, you’ll need to provide documentation for a range of financial factors, including:

– Tax calculations: a print-out from HMRC, or your accountant’s filings.

– Financial accounts: this will need to cover the recent complete tax year and, in cases where retained profit and dividends are to be taken into account, the previous year as well. Be prepared to answer any questions on your accounts, including dips in profit.

– HMRC tax year overview

Once you’ve spoke to one of our mortgage brokers, we can quickly provide you with an Agreement in Principle (AiP), confirming that you could borrow the amount you need.

Will My Type Of Self-Employment Affect My Mortgage?

The set-up of your self-employment will affect the way in which lenders interpret your income – impacting on the lending amount you will be offered. Examples of this include:

Sole traders: this is relatively straightforward. A mortgage lender will be able to calculate the amount you can borrow based on the profits you earn.

Partnership: your mortgage lender will need to see how much each partner shares of the profit.

Limited company: make sure your mortgage lender takes into account both the salary that you pay yourself as director and the dividend payments you receive, to get the maximum amount possible.

The Benefits Of A Self-Employed Mortgage

There are several advantages to securing a self-employment mortgage for your property. This includes: approval for a mortgage that you may otherwise struggle to achieve and higher borrowing amounts – if your mortgage broker takes into account the retained profits of your business, you could borrow much higher amounts than typically achieved from a salary.

Is A Self-Employed Mortgage Suitable For Me?

When applying for a mortgage, most lenders will class you as ‘self-employed’ if you have around 20% or over share of the business that provides your main income. You may also not have payslips to prove your income – in these cases a self-employment or contractor mortgage will be the best way to get the confidence of mortgage brokers to secure your financial solution.

Am I Eligible For A Self-Employed Mortgage

You will need to be able to prove your income to a lender to qualify for a self-employment mortgage and in some cases this will require up to two years of accounts. Without this you will not be eligible for a self-employed mortgage. Many mortgage lenders will insist that these accounts have been kept by chartered accountants, to increase their credibility. Not all mortgage lenders take into account retained profits, so it’s important to work with your mortgage broker to find a lender who does if this is an avenue you’re relying on.

Get Your Self-Employed Mortgage Today

At Hawke FS, we understand that for self-employed individuals, the process of acquiring a mortgage can be more stressful than usual. That’s why our expert consultants work exhaustively to ensure that the process is made as simple and hassle-free as possible. You can find out if you’re eligible for a mortgage quickly, reducing time wasted, and work with us to get the maximum possible amount borrowed. Contact our advisors today to learn more.

Request A Callback

We offer all our potential customers their initial meeting free of charge and with no obligation

All our team members are fully qualified, professional and courteous Bridging Loan Advisors. They always keep our customers’ best interests at the centre of our business.

Why Use Hawke FS?

At Hawke FS, we pride ourselves on delivering outstanding customer service, providing you with the best deal on the market to ensure your financial security. We’ve helped countless clients grow their business and secure their future with our effective mortgages. Our consultants are happy to advise you on self-employed and contractor mortgages and whether this option is suitable for you. We are committed to finding the most suitable products to suit your needs and always offer transparent advice to find the best deal on the market for you.

Contact Us

For more information on self-employed, contractor and additional mortgage types, please do not hesitate to get in touch with the team today and our Mortgage Brokers will be more than happy to discuss your possible avenues. If you are looking for Mortgage Advisors, Contact Us here at Hawke Financial Services Llp today.

Call Us on 020 8660 8613 or email us at with your enquiry, and our brokers will be happy to discuss your options with you.

Client Testimonials

Richard - Perfectly Satisfied With Their Advice And Service

“I was perfectly satisfied with their advice and service. They were fast, helpful and always kept me updated. There was never a moment I didnt think I was getting the best service.”

Mehdi Rizvi - Excellent Professional Service - 14th Sep 2017

“I have been with Hawke Financials (Peter Hunt) since 2014. As a Buy to Let landlord, I found they are extremely professional and provide unbiased/impartial proficient advice. They have access to all the major lenders and offer very competitive mortgage rates with excellent customer service. Strongly Recommended”

Paul Jenkins - Residential Remortgage - 12th Sep 2017

“We required to remortgage for various reasons and were given expert advise on how best to do this along with our many options. I found the information given in a way which was easy to understand and very practical. The process proved to be a little more difficult but without the support from Hawke Finacial I am sure things would have been even more difficult and taken even longer. The delays were with other parties and not because of Hawke.”

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