Mortgages for the Self-Employed
If you're self-employed and living in Northern Ireland, ask BPS about expert, trusted mortgage advice.
Getting a self-certified mortgage when you're self-employed can be difficult. But it's not impossible.
We already advise business owners and company directors on protecting the things that are most important to them. So we're well-placed to advise on the best way to get a self-employed mortgage.
How can you get a self-employed mortgage?
Lenders will class you as self-employed if you are a sole trader or a company director with an identified percentage shareholding.
We can advise you on what you'll need to supply to verify your self-employed status - and with our expert, professional guidance, save you from the hassle of searching high and low for the perfect mortgage for you.
Typically, lenders will want to see:
- Certified accounts for the last 2-3 years.
- Self-assessment or SA302 forms and the corresponding tax year overviews as submitted to HMRC for the last 2-3 years.
What kind of mortgage can I get as self-employed?
Self-employed mortgages are the same as those available to employed applicants. So it largely depends on the lender's criteria and your ability to meet these underwriting requirements.
If you are eligible and meet affordability criteria, you'll have access to all of the mortgage products available to employed applicants.
For your Fee Free Mortgage Consultation call us on 028 3833 8000 or visit the BPS team at our offices in Portadown, Moira or Belfast - or we can come to you. We already help clients across Northern Ireland and the UK.
Your home may be repossessed if you do not keep up repayments on your mortgage.
We do not charge a fee for our services, we receive commission from the provider.