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Self employed Mortgages in Barry
Get expert self employed mortgage advice in Barry. Bad credit? Complex income? Get matched to a broker right for you and get the ‘yes’ you’ve been waiting for.
No impact on your credit score
Our passion is providing support and guidance to all our customers, especially those seeking Self employed mortgage advice in Barry. Our focus extends beyond finding you a mortgage; we are dedicated to guiding you throughout the mortgage journey, supporting you every step of the way.
To speak with a mortgage broker in Barry, book your free mortgage consultation now
Self employed Mortgage specialists
Unfortunately, getting a mortgage can be a little more challenging if you’re a self-employed applicant. This is due to the amount of documentation you must provide as proof of your income, not the process.
Lenders will initially request to see bank statements that are older than three months and at least one year’s worth of accounts. Additionally, more lenders are starting to consider net profit when deciding whether or not you are a qualified applicant.
An applicant for a regular mortgage will have their affordability and income evaluated, but an applicant who is self-employed will also have their business evaluated. Since more than 20 years ago, we have assisted Self Employed applicants in realising their mortgage goals; now we want to assist you. As your mortgage broker in Barry, it is our responsibility to guide you through the process and assist you in finding the best Self Employed mortgage product for your unique needs.
Compare Self employed mortgages
We have many lenders on our panel, and each of them offers self-employed mortgage products. We’ll do our best to choose the ideal candidate for you.
We still believe that our services will be helpful to you whether this is your first time purchasing a home as a Self Employed applicant in Barry or you’ve already done so and want to move home. We will always be completely open and honest with you in an effort to try and save you time and money.
No matter their circumstances, all Self Employed applicants can gain from a free mortgage appointment. We have Barry-based, specialised self-employed mortgage advisors on hand seven days a week to address all of your inquiries.
We search 1000s of mortgage deals in Barry
We'll find you the perfect solution
who we help
1 year Accounts
We have helped numerous clients who only have 1-year accounts. Typically, mortgage lenders require 2 years full accounts, however, we work with a number of lenders that can consider 1.
who we help
Sole Traders
Being a sole trader we understand your income can fluctuate significantly, we have helped a large amount of sole traders obtain a mortgage.
who we help
Limited Company Directors
You may pay yourself a minimal salary in dividends to reduce your tax liability, we work with lenders that can also use your retained profits within the business.
who we help
Contractors
As a contractor, many lenders will punish you because of the uncertain future income, that’s why we work with a number of lenders who look favourably on contractors.
Looking for a self employed mortgage? We'll take care of everything!
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Mortgage products
Your Path to Homeownership Starts Here
How to get started - Our simple 4 step process
Step 1
Press 'Get approved' Below, the link will take you to a short form.
Step 2
We'll match you with a mortgage broker based in Barry.
Step 3
You're mortgage broker will contact you to discuss your mortgage options.
Step 4
If you're happy, we submit your mortgage application and guide you to completion.
We beleive
We believe homeownership should be accessible to everybody, that’s why we strive to work with our clients to find them a suitable mortgage.
1000+
customers helped
50+
Years Experience
Feel free to ask any question to us
- 07930334768
- 7 days a week 8:00am - 8:00pm
- Barry
Common Questions
How many years do I need to be self employed to get a mortgage?
UK residents who are self-employed typically need to have worked independently for at least two years before applying for a mortgage. Some mortgage lenders, however, might only demand a year’s worth of history.
Do you pay higher interest rates if your self employed?
UK mortgage applicants who are self-employed are qualified for the same mortgage rates as those who are employed. The only distinction is the manner in which mortgage lenders assess their income.
What qualifies being self employed?
You will be considered self employed if you hold more than a 20% shareholding within a limited company.
Why is it hard to get a self employed mortgage?
It is’nt hard to get a self employed mortgage, it is the same as being employed, the only difference is the way the lender calculates your income.
Why Choose us - Self Employed mortgages Barry
We have a large variety of lenders on our panel that each have their own distinct Self Employed mortgage products and lending criteria. This frequently implies that we have access to things that aren't commonly found on the high street. Whatever your scenario, our incredible team of certified Self Employed brokers in Barry will use their expertise to try and save you both time and money by finding you the best possible deal for your circumstances.
Take a look at our great client reviews to get a true sense of the high levels of customer service we constantly aim to deliver. We will always keep you up to date and strive to deliver you a stress-free Self Employed advice service, whether you've just gotten in touch, are in the middle of it with a Self Employed mortgage broker in Barry, or are in the advanced stages chatting with one of our mortgage administrators, we can help.
As a timely and quick Self Employed mortgage Brokers in Barry, we will provide complete support and direction throughout your Self Employed mortgage procedure. We will do everything possible to alleviate any anxieties you may have throughout our service and will answer all of your questions as thoroughly as possible. We truly hope that you will find us useful during your process, as we are adaptive to your Self Employed mortgage requirements.
When you deal directly with a bank or lender, you will have far less options than if you speak with a Barry Self Employed mortgage broker. Banks and other lenders will only have access to their own deals and products, however we can search through 1000s of deals across our panel, selecting the best one for you and your circumstances.
Our professional and devoted Barry Self Employed mortgage and protection brokers is well-versed in various lenders' requirements and products. As a Barry Self Employed mortgage Broker, we can look around for these packages, completing the legwork on your behalf. This saves you time and money by avoiding the need to speak with different lenders.
Overcoming any Self Employed mortgage obstacles that arise can be difficult at times. At this point, you should consult with a reliable and trusted Self Employed mortgage advisor.
Customers with a low credit score, being self-employed, falling outside of lender criteria, and having a low borrowing capacity, to name a few. While challenges exist, as a Self Employed mortgage advisor, we can typically assist.
Our Self Employed mortgage Advisers have assisted a wide range of consumers in a variety of situations. We give comprehensive Self Employed guidance in a variety of situations by leveraging our extensive understanding of Self Employed lender criteria.
We offer a free mortgage appointment to all of our customers, new and old, as a well-known Self Employed mortgage Broker in Barry with a reputation for being open, honest, reliable, and responsive.
During this appointment, your designated Self Employed mortgage Advisor will review your situation and discuss your goals. Our customers are our top priority, and as a mortgage broker in Barry, we'll make sure to recommend the greatest available deal to you while also relieving your stress.
Request your free Self Employed mortgage review today, and we'll see how we can assist you on your mortgage journey!
EM Wales is a trading style of Estates Mitchell Limited is Authorised and Regulated by the Financial Conduct Authority under Registration Number 948488 at www.fca.org.uk/Register
The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.