Many new clients come to us having heard that "it’s difficult for self-employed people to get mortgages nowadays". Happily, this couldn’t be further from the truth with a real shift in the mortgage marketplace to support mortgage applicants just like YOU.
At Independent James we have been specialists in advising self-employed individuals of all kind for over 10 years. This sector has become more popular with people looking for a flexible work-life balance, Creatives, those in entertainment, I.T., contracting via a Limited Company and more people simply enthused with an entrepreneurial spirit.
Independent James’ impartial advice and access to the whole of the market and many exclusive products, means that you can be sure your mortgage is the right mortgage for you. We work alongside your accountant to ensure your income is conducive to you being able to obtain a competitive mortgage. We have access to lenders who take differing views of how to underwrite self-employed individuals.
Mrs R Denton, Kent
Sole trader, Partnership, LLP, Limited Company? Some lenders will look at your latest year, or an average of 2 years or 3 years. We have obtained mortgages for a number of individuals with only 1 year’s full accounts. We can help choose the right lender for you.
For a Limited Company, there are differences in underwriting; some lenders only accept your salary and dividends, some your share of operating profit and some may accept a combination of the above.
We work alongside a number of Accountants who are very supportive of our hands-on approach and of Offset Mortgages as a tax-planning tool. For savings set aside for a tax bill, offsets can fulfil your requirements perfectly.
Upon procurement of the best mortgage possible for you (utilising= the latest independent research technology), we would also address the importance of the need for appropriate and effective Protection.
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