Self Employed

FAQ:

Got Questions? Check out our FAQ section.

Accountants of the self employed work hard to minimise tax liabilities, but this can cause problems when the client needs a mortgage as available accounts may not support the actual income.

Dividends are a case in point as they are legitimately used to reduce tax, but many lenders refuse to accept them as income. However, some do, and this is why using a broker is so important.

Contractors, CIS vouchers, various income sources, all issues that might create a barrier should you approach a high street lender, but all can be overcome if you know how to prepare a case, and who to submit the case to.

We do not normally charge a fee for mortgage advice, however this will depend on your circumstances. If a fee is charged our typical fee is £495.

The Overall Cost for comparison is 7.3% APR. The Actual Rate available will depend upon your circumstances. Please ask for a personalised illustration. Rate correct at 12/11/2010.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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