Self-Employed Mortgages

Self-employed borrowers are assessed differently by lenders, often requiring proof of income such as tax returns, SA302s, or company accounts. Some lenders will look at one year of trading, while others require two or more. We can review your circumstances and outline lenders who may be willing to consider your application, explaining the requirements clearly so you know what to expect. If you are self-employed and would like to discuss what might be available, please get in touch.

Low Deposit Mortgages

Not all applicants can provide a large deposit. Some lenders accept smaller deposits, typically in the 5–10% range, although this can mean higher interest rates or stricter conditions. We can explain the implications of borrowing with a lower deposit, compare available products, and highlight the costs and risks so that you can make an informed choice. If you are working with a limited deposit and want to explore your options, we are here to help.

Adverse Credit Mortgages

Past credit issues such as missed payments, defaults, or county court judgments can make securing a mortgage more challenging, but there are lenders who may consider these cases. Adverse credit mortgages often require larger deposits or come with higher interest rates. We provide guidance on what may be available based on your history and help you understand the impact on affordability and future borrowing. If you have concerns about your credit history and would like to understand your options, speak to us today.

Risk Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.