When it comes to securing a mortgage as a self-employed individual, the application process can be more complex than for salaried employees. Different lenders have varying criteria for assessing income, and understanding these differences is key to finding the right mortgage for your needs.
​
While some banks may prioritize an average of profits over several years, others might focus on a recent increase in earnings or consider additional income sources such as your salary, dividends, retained profits, or even contractor agreements.
​
Why Choose Artillium?
​
-
In-Depth Knowledge of Lender Criteria: Each lender has different ways of assessing self-employed income. Some may look at your profits over the last 2-3 years, while others may be more flexible and consider your recent earnings or additional income streams. With Artillium, you’ll benefit from our understanding of which lenders are most favorable for your specific situation.
-
Tailored Advice for Different Business Structures: Whether you’re a sole trader, company director, or partner in a firm, the way your income is assessed can vary. Our team knows how to navigate the criteria for each type of self-employment, ensuring that your mortgage application is handled in the most favorable way possible.
-
Maximized Borrowing Potential: We work to ensure your income is presented in the best light, helping you maximize your borrowing potential. Whether your income fluctuates or you have multiple income sources, we’ll help you secure the right mortgage for your financial situation.
-
Streamlined Process: Self-employed applicants often face more paperwork and scrutiny. We’ll guide you through every step of the process, ensuring that you’re fully prepared and confident in your application.
​
Allow Artillium Help You Find the Right Mortgage:
​
Securing a mortgage as a self-employed individual doesn’t have to be complicated. With the right advice and support, you can secure a mortgage that reflects both your current financial position and your long-term goals.
​
Book Your Free Consultation Today:
​
Contact Artillium Finance Partners today to schedule your free consultation. We will assist you in navigating the mortgage process and find the best options available for your unique situation.