We use cookies to give you the best possible experience on our website. If you continue without changing your settings, we'll assume that you're happy to receive all the cookies on our website. However, you can change your cookie settings at any time.

Your Privacy

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.
Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Strictly Necessary Cookies

(Req)

These cookies are strictly necessary for the Website to work properly and for us to keep it secure. They are needed to allow users to use the Website and its features, including to move between pages of the website.

These cookies are required

Performance and analytical cookies

These cookies allow us to collect certain information about how a user navigates the Website. These cookies collect information that is used either in aggregate form to help us understand how our site is being used or how effective are marketing campaigns are, or to help us personalise our site for you.

Marketing cookies

These cookies are used to make advertising messages more relevant to you. We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media.

Mortgages that work for the self-employed

Our common-sense approach

Lending to self-employed customers

When customers are looking for first or second charge mortgages, our common sense approach means we’re well-placed to help. We know that being self-employed it can be tricky to predict monthly earnings, which is why we’ll look at the customer behind the application and consider all circumstances.

From income sources, property type, purchase type (Right-to-Buy, shared ownership) and credit profiles, we’ll consider each and every customer on their own merit. If we can help, we will.

Why are Together well-placed to help self-employed customers?
  • We cater for all types of self-employed from limited companies, sole traders and partners to contractors and builders, plus many others
  • We consider self-employed customers who have been trading for only 12 months
  • We look at multiple sources of income when assessing affordability
  • We have no minimum income requirement
  • We assess on affordability, not Loan to Income ratios
  • We offer an interest only option on both first and second charge mortgages.
Our mortgage lending criteria

Maximum loan amounts:

  • 1st charge Mortgages from £3,000 to £1m*
  • 2nd charge mortgages £3k - £1m*

Maximum LTV:

  • 1st Charge: 75%
  • 2nd Charge: 77.5%

Repayment options:

  • Capital repayment
  • Interest only

Fees & Charges:

  • No valuation or lender solicitor charges
  • No early repayment charges

Term:

  • Variable rates: From 3 – 30 years
  • 5-year fixed rates

We offer the same rates for our self-employed customers as those who are employed and to help make things more affordable and easier to plan, we offer a 5-year fixed rate product. Alternatively, we also offer an interest only option. Plus, we won’t hit you with early repayment charges if you want to pay off your mortgage early, and that’s even on our fixed rate mortgages.

phone icon

Work in the professional sector and looking to introduce a client? Find out more.

tablet icon

Request a call back

Our Broker Relationship Team are here between 9am – 5pm. You can call them on 0161 451 3154 or simply fill out the form below and one of the team will be in touch shortly.

*
*
*
Build: 1.3.7.29140