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Applying for a self-employed mortgage can be more complex, for various reasons, but if you’re in Newcastle or the North-East of England we can help!

As an employed PAYE individual, you will have a contract of employment, which is used for mortgage purposes. You won’t have this when you’re self-employed, so lenders look for other documents. The questions for self-employed people, which include owners of limited companies, can be confusing. Our Newcastle advisers work with local self-employed people to ensure the process is smooth and hassle-free. We complete the application on your behalf and can help you avoid lenders we know have stricter criteria.

Mortgages For Self Employed

When you’re self-employed, the lender may view you as a riskier borrower. So, like employed people, you will need to provide a credit report, pay slips and bank statements, but you’ll also be required to show business accounts for at least two years worth of trading. They’ll also ask for your personal tax returns and possibly a forecast for the business. This may seem like a lot of personal information but we’ll support you through the process. We can liaise with your accountant too, so the mortgage application doesn’t impact the day-to-day running of your company.

Talk to us if you need specific advice about your mortgage eligibility as a Newcastle business owner.

Self Employed Mortgage Newcastle

Speak to our local mortgage advisers about your self employed mortgage needs. Our initial conversations are always provided on a fee-free basis.

Self Employed Mortgage Calculator

Enter your income to find out how much you could borrow for a mortgage.

Mortgage Repayment Calculator

How Much Can I Borrow Calculator

Self Employed Mortgage Advice?

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