Self-Employed Mortgages
- Specialist Advice for Business Owners, Contractors & Freelancers
- Access to Lenders Who Understand Complex Income
- Clear, Tailored Guidance to Simplify the Process
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Self-Employed Mortgages
Being self-employed comes with freedom and flexibility — but getting a mortgage can sometimes feel more complicated than for salaried borrowers. At L & K Financial Ltd, we specialise in helping self-employed clients secure the right mortgage with confidence.
Why choose us?
- Expert guidance for self-employed clients – We understand the specific challenges and documentation requirements for self-employed applicants.
- Access to a wide range of lenders – Not all lenders treat self-employed applicants the same. We search the market to find options that suit your circumstances.
- Clear advice, no jargon – We explain everything in plain English, so you know exactly what to expect.
- Support beyond your mortgage – We can also review protection options and Wills to make sure your income and family are safeguarded.
Types of self-employed clients we help
We work with all types of self-employed borrowers, including:
- Limited company directors – Those running their own company with company accounts and dividends.
- Sole traders – Individuals running their business independently.
- Freelancers and contractors – People with variable income or seasonal earnings.
- CIS contractors – Construction Industry Scheme workers who are registered for CIS and often have unique income documentation.
- Other self-employed arrangements – Any other structure where you earn income outside of traditional employment.
Whatever your self-employed status, we tailor our advice to suit your specific financial situation and help you access the most suitable mortgage deals.
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How we help self-employed clients
- Assess your financial situation, income history, and affordability.
- Advise on what documentation lenders require, including accounts, tax returns, and business records.
- Help you understand mortgage options such as fixed or variable rates, term lengths, and deposit requirements.
- Compare deals across multiple lenders to find the most suitable mortgage for your needs.
- Guide you through the application process and handle communications with the lender.
Making mortgages simple for the self-employed
Being self-employed shouldn’t mean paying more or struggling to get a mortgage. With L & K Financial Ltd, you’ll have expert support, clear advice, and someone who understands the unique challenges self-employed borrowers face.
Ready to explore your options?
Contact us today for a friendly, no-obligation chat about your self-employed mortgage.
Self-Employed Mortgages FAQs
It can be more challenging, but it’s not impossible. Some lenders offer specialist products for newer self-employed borrowers. We’ll review all available options and advise on the best approach for your situation.
Some lenders may require a slightly higher deposit compared to salaried applicants, but it depends on your circumstances and the lender. We’ll help you find deals that suit your deposit and affordability.
Yes! By comparing multiple lenders and using our expertise, we aim to secure the most competitive rate possible for your situation.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up with your mortgage repayments.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Financial Conduct Authority does not regulate most Buy to Let Mortgages.