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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.
Whatever your self-employed status, we tailor our advice to suit your specific financial situation and help you access the most suitable mortgage deals.
We work with all types of self-employed borrowers, including:
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.
Most lenders will ask for your last 2–3 years of accounts, tax returns (SA302s), and possibly bank statements. We’ll guide you on exactly what’s required so your application has the best chance of success.
Lenders usually calculate your average income over the past 2–3 years, taking into account any fluctuations. We’ll help you present your finances in the clearest way to maximise your borrowing potential.
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.
Absolutely. We can review income protection, life insurance, and other relevant cover to make sure you and your family are financially safeguarded.
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.
We’re here to answer any questions or queries you may have in relation to mortgages or protection, in order to make your mortgage journey as smooth as possible.