Only one years accounts? Variable income? Working through an umbrella company? Whatever the circumstances, we're here to find you a fantastic mortgage deal.
As an independent, whole-of-market broker, we can help you remortgage affordably if you're self-employed. Discover the latest fixed, discount and tracker rates.
Get expert advice on a range of affordable policies including life insurance, buildings and contents insurance, income protection and critical illness cover. Some policies can be paid for by your business.
Apply quickly and easily. Our advanced end-to-end mortgage and protection platform streamlines the entire application process, removes friction and saves you time.
We can often help, (even if you've been declined elsewhere) and there's absolutely no-obligation.
Login to your client portal at any time to view your application's status, upload docs or message your advisor.
You can access the portal on any device, including mobile via our dedicated app.
Keep abreast of your application's progress with real-time updates. Receive an automatic SMS or email notification whenever there's a status change.
As a true self-employed mortgage specialist, we can often help, even if you've already been declined by a bank or have unusual or complex circumstances
Your home may be repossessed if you do not keep up repayments on your mortgage
"Brilliant from start to finish. Graham managed to find a main high street lender who offered a brilliant rate. Would highly recommend."
With access to a huge range of mainstream and specialist lenders, we'll quickly source the most suitable self-employed mortgage for your circumstances.
If you need a company director mortgage, income can be assessed using your salary and either your dividends or company net profit figures.
Salary and pre-tax net profit is also possible, depending on circumstances.
And we have great mortgage deals for sole traders and limited liability partners, based on net profit.
Finally, we have access to contractor mortgage lenders who'll use up to 48 weeks' income for affordability. We can even help if you're paid in a foreign currency.
Talk to an adviserWelcome to the faster, more convenient way to get a self-employed mortgage.
Using the latest mortgage tech, automation and open banking, we've made your digital mortgage journey faster and easier than ever.
The result. Our mortgage advisors perform affordability and credit checks, ID verification, and product sourcing in a fraction of the time it takes with other brokers.
So you save time and hassle and get your mortgage approved quicker.
View or edit your application details in your client portal at any time. Upload documents securely, message your advisor and monitor your application status.
Receive real-time sms and email updates as your application progresses.
You can login to your client portal on desktop or mobile app 24/7.
"Brilliant from start to finish. Graham managed to find a main high street lender who offered a brilliant rate. Would highly recommend."
We charge a £99 Initial Assessment Fee, payable upfront, which covers our time and work involved in assessing your documentation and carrying out lender research.
We'll then advise you if your case is proceedable. If it isn't, we'll inform you of the exact reasons why so we can get you a mortgage once rectified.
Unlike some competitors, we don't charge a broker fee until we get you a formal mortgage offer. No mortgage, no fee.
The broker fee will depend on the complexity of your case and the amount of work required to source your mortgage deal. In most cases, our standard broker fee will apply.
Once we've carried out the initial assessment, we'll inform you of the broker fee that applies to your case. There's no obligation to proceed at that point.
As your broker, no. However, we will need to see your credit report before we can source the most suitable deal and apply for a decision in principle (DIP).
The lender will carry out a hard credit search, either at the Decision in Principle stage, or when making the full mortgage application (FMA). The latter tends to be more common.
