Mortgages for Self Employed People
Be Your Own Boss: Mortgage Options for the Self Employed & Company Directors
We have access to a panel of 90+ lenders...
Mortgage Options for Self Employed People
When you’ve worked hard to build your own sources of income, whether that’s as a limited company, freelancer or sole trader, it can be frustrating to find yourself underrepresented when it comes to mortgage options.
At Motion Mortgages, we’ll help you find the right mortgage for your circumstances; whether you’re self-employed or a company director, we’ll help you find a mortgage that reflects your success and secures the dream home you’ve been working towards.
Understanding your needs
When you are self employed, we understand that your income may not flow in the same way as a traditional employee salary. It can make navigating the home-buying process tricky, but don't worry—there are plenty of options out there and we've helped many people in your situation secure a mortgage that suits them.
We’ll take the time to understand your financial status, and your personal property goals during our initial consultation, ensuring you feel confident and prepared ahead of your mortgage application.
To check how much you can borrow and help prepare for your mortgage we will help you:
- Prepare Income Evidence:
We'll work with you or your accountant to ensure you have the right paperwork for the mortgage application, and that your tax returns are up-to-date and accurately reflect your earnings. - Review Your Credit Score:
A good credit score can boost your chances of securing a favourable mortgage. We can offer tips to help improve yours before you apply for your mortgage. - Understand Your Deposit:
A healthy deposit is important for any home-buyer. Try and aim for at least 10% to improve your options and get more favourable interest rates. - Demonstrate Stability:
Demonstrating consistent performance, ideally for 2 years or more, will strengthen your application. However, we can connect you with lenders who can help after just 1 year of trading if you’re new to self-employment. - Prepare Your Paperwork:
Up-to-date personal tax returns are very important. We are here to ensure you have the right paperwork to avoid delays.
How we help secure your mortgage
Motion Mortgages takes the stress out of securing a mortgage for the Self-Employed and Company Directors. Here's how we walk you through the process:
- Initial (Free) Consultation:
In our initial mortgage consultation, we'll chat with you about your financial situation, business performance, and property goals. This helps us understand your unique needs and identify the most suitable mortgage products for you. - Tailored Mortgage Options:
We'll research the mortgage market on your behalf to help find the mortgage products that fit your circumstances. We'll explain the pros and cons of each option in a clear and concise way, empowering you to make an informed decision. - Supporting Your Application:
Our mortgage team will guide you through the entire application process, ensuring all necessary documentation is collected and completed accurately. This helps to avoid delays and keeps your application moving forward smoothly. - Lender Communication:
We act as your intermediary with lenders, handling all communication and negotiations on your behalf. This frees you up to focus on running your business and planning what you’re going to do with your new home.
How long does the process take?
The mortgage process can vary in length, but approximately:
- Decision in Principle: 24-48 hours
- Full Application Approval: 2-4 weeks
- Completion:
4-8 weeks (depending on legalities)
What do you need to provide?
To streamline your mortgage application, have the following documents ready:
- Proof of Identity: Passport/Driving Licence
- Proof of Address: Utility Bill/Council Tax Statement
- Income Proof: 2 years' Tax Calculations & Tax Year Overviews
- Bank Statements: Most recent 3 months - personal & business
- Credit Report:
Recommended - get a free trial at
Check My File
Ready to get started?
It’s free to speak with a mortgage adviser 7 days a week.
Why Choose Motion Mortgages?
Your Self-Employment Champion:
Our experienced brokers understand the ins and outs of securing mortgages for the sole traders and Limited company directors. We fight your corner with the lenders and strive to find you a mortgage solution that reflects your financial situation.
Unlock Exclusive Deals:
As part of the UK’s largest, privately owned mortgage network, we leverage our relationships to secure exclusive mortgage products with competitive rates and terms that you won't find on the high street.
Streamlined Efficiency:
We take the legwork out of the mortgage application process, saving you time, effort, and stress. Let us handle the paperwork while you focus on what matters most, whether that’s continuing the day-to-day running of your business, or planning the decor for your new home.
Personalised Approach:
Our dedicated team takes the time to get to know your unique situation and financial goals. We provide exceptional customer service, ensuring you always feel informed and supported throughout your mortgage journey.
Your Partner in Homeownership:
We're committed to helping you secure the home you want, from your initial consultation to moving day and beyond. We're here to answer your questions and provide ongoing support, even after you've secured your mortgage.
Motion mortgages & protection
FIVE Star Promise
NO JARGON
We Promise to explain everything in plain English.
The Best Result
We promise to check ALL mortgages on offer to ensure you get the most suitable one for your circumstances.
With You All The Way
We promise to stand by you and help all the way through your house purchase process… and not just walk away once your mortgage is offered.
SIMPLE
We promise we’ll do the hard work so you don’t have to.
RELATIONSHIP
We promise to be your trusted advisor, and always be here to help with your lifelong mortgage needs.
Don’t take our word for it, see what our clients say about us on Google and Facebook:
Contact Form
Complete the below to get in touch and one of our experienced team will be in touch ASAP:
Website Form - Footer
Details submitted through this form are entirely confidential. The information provided is used only to contact you to discuss the areas you've expressed an interest in. By submitting your details you have confirmed that you have read and understand our privacy policy.
Motion Mortgages & Protection are your trusted local experts in mortgage advisory services, committed to safeguarding your home, your family, and your future.
Mortgages
Insurance, Protection & Other
Follow Us
Motion Mortgages and Protection is a trading name of AFP Wokingham Ltd an appointed representative of HL Partnership authorised and regulated by the Financial Services Authority. AFP Wokingham Ltd are registered in England and Wales with company number AR company registration number 14609331. Registered Office: Unit 3 Wellington Business Park, Duke Ride, Crowthorne, England, RG45 6LS.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Initial consultations are completely free of charge. There's no obligation to proceed and our broker fee of £495 will only become payable at offer stage of your mortgage application. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.
Website by Digity