Blog

Is a Mortgage Accessible for Sole Traders? Yes, you can. Many lenders offer mortgages to sole traders and partnerships. Some lenders even allow you to borrow based on your gross income or remittance slips, and you can get a mortgage with just 6 months of trading history. If you’re a sole trader or in a […]

What are Mortgages for Directors? Mortgages for company directors operate in the same manner as standard mortgages. The goal is to prove to the lender that you can manage the repayments. But, as a company director, you might face challenges. Some traditional lenders might view your position as more risky. They might not fully grasp […]

Is it Possible to Get a Self-Employed Mortgage With No Accounts? Yes, it is. While it’s common for many lenders to request three years’ worth of accounts, that’s not the only path to securing a mortgage if you’re self-employed.  If you’re new to self-employment or perhaps working as a freelancer without an accountant, there are […]

Are Mortgages Available to Limited Liability Partnerships (LLP)? Yes, mortgages are available to Limited Liability Partnerships (LLP). But the process is more complex compared to standard mortgage applications.  When applying as part of an LLP, mortgage lenders typically consider you self-employed. This leads to a distinct set of assessments and requirements. To secure a mortgage […]

I’m Self-Employed with 1 Year’s Accounts: Can I Get a Mortgage? The answer is yes, but it’s a bit trickier than if you had a longer track record of self-employment. While most lenders prefer to see at least 2-3 years of accounts before they consider offering a mortgage, there are indeed lenders out there who […]

What Is A CIS Mortgage, And How Does It Apply To You? The Construction Industry Scheme (CIS) is more than just a financial term—it’s a gateway to homeownership for many in the construction field.  Initiated by HMRC, CIS aims to simplify tax matters for contractors and subcontractors alike. Under this scheme, contractors can deduct certain […]