Self-employed mortgage in Birmingham
There is no such thing as a self-employed mortgage product. There are lenders comfortable reading self-employed accounts and lenders that are not, and a broker's value here is knowing which is which. Birmingham's freelancers, contractors and ltd-co directors pay less when they let local partners compete on the same brief.
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Birmingham pro tip
Eastside and the HS2 Curzon Street area are seeing new-build activity — lenders treat new-build flats differently, so ask a broker before you commit.
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Mortgage Brokers across Birmingham
Our approved mortgage brokers professionals cover every major Birmingham postcode area. What comes up most in Birmingham:
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8 postcode areas served
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Before you ask for quotes
What to know about self-employed mortgage
Two years of accounts is the common ask
Some lenders will work from one year, and a few will consider a first-year contractor on a day rate. The rate is not usually worse — the paperwork is.
How your income is read varies by lender
Sole traders are typically assessed on net profit. Limited company directors are often assessed on salary plus dividends, but some lenders will use retained profit, which can change what you can borrow considerably.
Have the documents ready
SA302s and tax year overviews for the last two or three years, full accounts, and recent business and personal bank statements. Getting these together first is what shortens the process.
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