Self-Employed Mortgage Adviser in Swansea
Being self-employed should not stop you getting a great mortgage. We specialise in helping sole traders, limited company directors, and contractors across Swansea and South Wales find the right deal.
- Specialist self-employed and contractor mortgage advice
- Sole traders, limited company directors and freelancers
- One and two year accounts considered
- Salary, dividends, net profit, and retained profit explained
- We know which lenders understand self-employed income
Self-employed mortgage advice that gets results
The mortgage process can feel more complex when you are self-employed, but it does not have to be. With the right adviser and the right lenders, it is very achievable.
Sole traders
We use your net profit as shown on your SA302 tax calculations. The more net profit you can demonstrate, the more you can typically borrow. We will help you understand the numbers before you apply.
Limited company directors
For company directors, lenders usually assess salary plus dividends. Some lenders will also consider net profit or retained profit. We identify the most favourable approach for your specific income structure.
Contractors
If you work via a contract, some lenders will annualise your day rate rather than rely on your accounts — which can significantly increase how much you can borrow. We know exactly which lenders use this approach.
One year of accounts
Not all lenders require two or three years of accounts. Some will consider one year, especially if you have a strong background in your industry. We will identify whether this applies to your situation.
Understanding tax calculations
SA302s, tax year overviews, company accounts, net profit — we will explain what each document means, why lenders need it, and how to present your income in the best possible light.
Credit history considerations
Having imperfect credit alongside being self-employed makes lender selection even more important. We have access to specialist lenders who can consider applications that mainstream lenders might decline.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The fee will depend on your circumstances and will be discussed with you before you proceed.
Self-Employed Mortgage FAQs
Still have questions? We are here to help.
Book a free, no-obligation consultation with Beth and get clear, honest answers.
Book Free ConsultationSelf-employed and looking for a mortgage?
Book a free consultation and we will assess your income, explain your options clearly, and find the right lender for you.