Your home may be repossessed if you do not keep up repayments on your mortgage.
Today, more and more of us are becoming self-employed.
But getting a mortgage when you're self-employed can be tricky, often because mortgage lenders have to comply with strict rules to ensure you can afford your loan.
At Together, we’re a specialist lender who can deal specifically with self-employed mortgages and loans. We think that just because you don’t get paid exactly the same amount on the same day of each month shouldn’t stop you from achieving your property ambitions.
Whether you’re a sole trader, freelancer, contractor or consultant (and even if you’re a limited company, LLP or SME), our common-sense approach means we'll consider your application by looking at the whole picture, not just your credit score or loan-to-income ratio.
Do you want to understand the potential cost of your mortgage or loan?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
Find out hereYes. We can review credit profiles without a credit search. We also review applications on a case by case basis, meaning we’ll look at the whole picture and not just the numbers.
When it comes to our self-employed income mortgage criteria, we can accept a range of different types of income, but the ones that are relevant to you may depend on your trading style. The most common income types we accept are:
Absolutely! We’re happy to consider mortgages for new businesses.
We’ll review your application from day one of your business, with no trading history necessary.
The minimum and maximum amounts that you can borrow for your business differ based on the type of borrowing that you need, as well as the LTV (Loan to Value).
The good news is that you’ll get access to the same business rates and loan sizes whether you’re a sole trader, LLP, partnership or limited company.
To find out how much you could borrow, you can use our personalised borrowing calculator:
Borrowing calculator
