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Mortgages and secured loans for the self-employed

Mortgages that work for you, when you work for yourself.

Jobs don’t look like they used to

Meaning more and more of us are self-employed, whether deliberately or technically.

Freelancing, contracting, the gig economy – maybe a side-hustle. There’s more than one way to make a living, and the choice is yours.

But it means your income isn’t entirely predictable. And that can make getting a mortgage harder.

Designed for today

We make our lending decisions with real lives in mind. And that means we can often lend when others can’t.

We have no minimum income requirements - we’ll just ask to see your last two SA302s, so we can see you’ve been successfully going it alone for a while.

Other lenders’ red flags are our green lights

Whether you’re buying, moving, remortgaging, or simply want to unlock some of the equity in your home, we’ll look for a way to help.

Talk to us if:

  • You already have a mortgage on your property.
  • Your home is made of concrete, has a steel or timber frame, or has a thatched roof.
  • It’s a high-rise flat.
  • It’s an ex-council property.
  • You have less-than-perfect credit history.
  • You live outside the UK.

Overall cost for comparison

For example: A loan of £85,000 payable over 12 years on our variable rate for the loan term of 12 years at our current rate of 6.37% (variable) would require 144 monthly payments of £888.13 plus a redemption administration fee of £150.00.

The total amount payable would be £128,040.90 made up of the loan amount plus interest on the loan (£36,800.86), processing fee (£2,125.00) and arrangement fee (£2,125.00) plus interest on these fees (£4,794.85) and the redemption administration fee (£150.00).

The overall cost for comparison is 7.6% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

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