Self Employed Mortgages Brighton

Let a mortgage broker in Brighton like us, help you prepare your self employed mortgage application.

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How will lenders assess my earnings as a self employed applicant in Brighton?

A lot of the main high street lenders out there will average a self-employed applicant’s earnings over 2 years but others will go off your latest year, if your profit has increased.

The most common way for a company director’s income to be assessed is salary plus dividends, but it is also possible to go off their share of their firm’s net profit.

With the help of a good mortgage broker in Brighton like ourselves, we will put you and your application in the best possible position to be in with a chance of being accepted by certain lenders on our panel.

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Why is my self employed application different to an employed application in Brighton?

You likely won't have to put down a higher deposit than an employed applicant and you will be classed as self-employed by most lenders if you own >20-25% of your business. If you are a sole trader, you will be assessed using your net profits.

If you need any help with your mortgage application speak to a mortgage broker in Brighton like ourselves.

Book a free mortgage appointment and our team can talk you through your options and assess your self-employed mortgage situation.

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Self-Employed Mortgages FAQs

How many years do you have to be self employed to get a mortgage in Brighton?

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We tend to find, you will need to have been self employed in Brighton for at least two years, as most lenders will ask to see evidence of that time frame.

In some cases, there are some lenders who only ask for one year.

Do self employed applicants in Brighton have to pay higher rates for their mortgage?

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No, self employed applicants in Brighton have the same access to mortgage rates just like employed applicants.

The only difference are how lenders assess your income.

What qualifies as self employed in Brighton?

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For a lender to class you self employed applicant in Brighton, you must own 20-25% or more of a business.

Why is it hard for self employed applicants to get a mortgage in Brighton?

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Despite what some may say, there are no special requirements for self employed applicants in Brighton. The reason that many self employed mortgage applicants may find the process challenging, all comes down to income.

A lender will only count taxable income, and they will need strong evidence that your income is reliable.

How do I prove my income when self employed?

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To prove your income as a self employed mortgage applicant in Brighton, you need to give the lender either full accounts or SA302 year-end tax calculations (often presented with the corresponding tax year overview) from HM Revenue & Customs.

Some lenders will accept a certificate from your accountant confirming income if they are suitably qualified.

In some cases, lenders will request to see both of these together. Regarding SA302s, you will commonly find that the lender will need at least 2, maybe 3 years' worth of these.

Some lenders will also look at retained profits within a business and take this into account when assessing affordability.

I'm self employed, how can a mortgage broker in Brighton help?

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Unfortunately, as a self employed mortgage applicant, it can often be a struggle to get a mortgage in Brighton. This is where a mortgage broker in Brighton can help you in the process.

We have helped many different self employed customers obtain a mortgage, even when they thought all of the odds were against them.

Now is your chance for us to help you secure a mortgage as a self employed applicant in Brighton.

8 Reasons to choose UK Moneyman

Helping self employed applicants in Brighton 7 days a week.

Our team are here 7 days a week early in the morning until late at night to answer any questions or enquiries regarding self employed mortgages

All self employed applicants in Brighton should take advantage of our free mortgage appointment.

The good news is, that we don't ask for any payment until we have gone through the mortgage process successfully.

Speak with your own dedicated case manager in Brighton.

Throughout your self employed mortgage journey, you will have an allocated case manager by your side.

By your side, to provide self-employed mortgage advice in Brighton.

Our service is tailored to self employed applicants and their situation as we believe all customers are the heart of the company.

Beyond the mortgage to protect your future.

We want to make sure that our self employed customers are protecting their future and taking out the correct insurance policies.

1000s of potential self employed options.

We have worked with many self employed customers in Brighton through searching 1000s of mortgage products to find the best deal for you as a self employed applicant.

We have years of experience in the mortgage industry.

Our team are experienced in dealing with many self employed cases in Brighton and can provide you with the supportand advice you need to help back up your application.

Helping you overcome mortgage hurdles.

Going through the mortgage journey as a self employed applicant in Brighton can be quite a challenge. Our mortgage advisors in Brighton will utilise their experience within the mortgage industry to overcome any hurdles you may experience.

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We search 1000s of self employed mortgage deals in Brighton

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Registered Address: 10 Consort Court, Hull, HU9 1PU.

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