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If you’re self employed and applying for a mortgage in Glasgow, lenders will usually assess your income by reviewing your financial records over the last two years.
Some may average your earnings across both years, while others could focus more heavily on your most recent figures, especially if your income has increased.
For company directors, lenders typically look at a mix of salary and dividends.
In some cases, they may also consider your share of net profit, particularly if your business retains earnings that reflect the financial strength of the company.
What they’re really looking for is consistency and evidence that your income is sustainable over the long term.
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Applying for a mortgage as a self employed applicant in Glasgow doesn’t mean you’ll need a larger deposit or face higher interest rates.
The main difference lies in how your income is assessed.
Lenders usually define you as self employed if you own 20 to 25 percent or more of your business.
If you’re a sole trader, they’ll focus on net profits, while limited company directors may need to show both salary and dividends.
The extra paperwork often required is simply to give lenders a clear picture of your financial position.
As long as your records show stable, reliable earnings, your application is treated much the same as anyone else’s.
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Securing a mortgage when you’re self employed can be more involved, as lenders often require additional documents to confirm your income.
That’s where using a mortgage broker in Glasgow becomes a real advantage.
A broker will already know which lenders are more flexible with self employed criteria and can save you time by focusing only on deals that match your financial profile.
They can also guide you through the application process and make sure your documentation meets lender expectations.
This support is especially helpful when your income includes dividends, retained profit or fluctuates from year to year.
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Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
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Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
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Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
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Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
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Most lenders in Glasgow ask for two full years of self employment history. This gives them confidence that your business is stable and that you’re earning consistently.
Some lenders are open to applicants with just one year of trading, though they may apply stricter criteria or ask for projected earnings. A mortgage advisor in Glasgow who specialises in self employed cases can help you find lenders who are more open to shorter trading histories and explain what additional paperwork might be required.
Being clear on your timeline and financial records can improve your chances of being approved.
Mortgage rates for self employed applicants are usually no different to those offered to employed borrowers. The difference lies in the underwriting process, where lenders carry out a more detailed review of your income.
Instead of payslips, self employed borrowers need to provide documents such as tax calculations, HMRC year-end summaries or company accounts. A mortgage broker in Glasgow can help present this information in the most lender-friendly way, making it easier to access competitive rates.
Ultimately, the rate you’re offered depends on your credit profile, loan-to-value and the lender’s confidence in your income.
You’ll usually be considered self employed if you own 20 to 25 percent or more of a business. This applies to sole traders, partnerships and company directors alike. Lenders in Glasgow use this classification to decide what income documents they’ll need to assess your mortgage application.
The type of paperwork you’ll be asked for depends on how your business is structured and how you take income. If you’re unsure what’s required, a mortgage advisor in Glasgow can help make sense of your situation and guide you on how to prepare.
Being correctly classified from the start helps reduce delays in the application process.
It’s not necessarily harder for self employed people to get a mortgage, it just requires more paperwork. Lenders want to see proof that your income is both consistent and sufficient for the mortgage you’re applying for.
Most focus on your taxable income, so the figures submitted to HMRC are especially important. If your earnings fluctuate or include retained profits, it can help to use a mortgage broker in Glasgow who understands how to match your finances with the right lender.
Being prepared with up-to-date accounts and supporting documents puts you in a much stronger position from the outset.
You’ll usually need at least two years of financial records to support your self employed mortgage application. This might include full business accounts, SA302s, and matching tax year overviews from HMRC.
Some lenders may also accept a letter from your accountant or additional documentation that confirms your current income level. A mortgage advisor in Glasgow can help make sure you have everything in place before applying, reducing the chances of delays or refusals.
The more consistent your income looks on paper, the easier it is for lenders to assess your application with confidence.
From early morning until late at night, we're here to address any questions or enquiries you may have regarding self employed mortgages in Glasgow.
We don't ask for any payment until we have gone through the mortgage process successfully.
Having a designated case manager throughout your self employed mortgage application can provide valuable support and assistance.
Our team of experts is here to guide you through the process and find a mortgage solution that suits your specific needs.
We want to make sure that our customers are protecting their future and taking out the correct insurance policies.
We are dedicated to searching through a wide range of mortgage products to identify the best options that align with your needs.
We have 20+ years experience handling various self employed cases and are well-equipped to offer you the guidance and support necessary to strengthen your mortgage application.
Our team of mortgage experts draws upon their extensive industry knowledge to help you overcome any hurdles you may encounter along the way.
Fixed rate mortgages can offer self employed applicants in Glasgow more stability and peace of mind. With set monthly payments for a defined term, it becomes easier to budget, which is especially helpful if your income varies throughout the year.
While lenders may ask for more documentation, such as tax returns and business accounts, the benefit of a fixed rate is predictability. It removes the uncertainty of rising interest rates and lets you plan ahead with more confidence.
If managing your outgoings is a priority, a fixed rate mortgage can be a reassuring option.
Getting onto the property ladder while self employed can feel challenging, but it’s entirely possible. Lenders will want to see proof that your income is stable and likely to continue, usually by reviewing two or more years of financial documents.
Preparation is key. Having your accounts, tax returns, and supporting documents ready in advance can make the process smoother. It also helps to understand how lenders interpret your income, especially if your earnings include dividends or fluctuating profits.
A well-presented application can increase your chances of securing a first time buyer mortgage, even if your income setup is slightly more complex.
Remortgaging as a self employed person involves many of the same principles as your original application. Lenders still need evidence that your income is stable and reliable, which means up-to-date accounts and tax documents are essential.
Whether you’re looking to switch to a better rate or release equity from your home, it’s worth reviewing what documentation you’ll need ahead of time. This can speed up the process and give lenders what they need to assess your application confidently.
With the right preparation, remortgaging can be just as straightforward as your initial purchase.
If you’re self employed and considering investing in property, a buy to let mortgage can be a smart option. Lenders will still want to see proof of income, but they’ll also focus on the potential rental income from the property you’re buying.
Having a solid financial history helps, especially when showing that you can manage both your personal finances and the property as an investment. Some lenders may ask for a business plan or details on how you intend to manage the property over time.
Being organised with your documents and having a clear rental strategy makes the application process much easier.
Applying for a mortgage with bad credit can feel daunting, and being self employed adds an extra layer of complexity. Lenders will examine both your financial history and your ability to maintain steady income over time.
It’s important to be upfront about any past credit issues and show how your financial situation has improved. This might include cleared defaults, up-to-date accounts, and steady trading records. Some lenders specialise in working with applicants who have less-than-perfect credit, but still need clear, accurate documentation.
Taking the time to prepare your case properly can make all the difference in securing a mortgage despite past setbacks.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
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