Your home may be repossessed if you do not keep up repayments on your mortgage
At SEMH, we can find you a great fixed-rate mortgage, even with just one year's limited company accounts submitted to HMRC.
Income can be assessed using your salary and dividends or salary and share of company net profit. We can also just use your latest year's figures.
Salary and pre-tax net profit is also possible, depending on circumstances.
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get startedWelcome 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.
For example, your advisor can perform affordability and credit checks, ID verification, and product sourcing in a fraction of the time it takes with other brokers.
The end result? 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.
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
"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.
