We want to help business people secure the mortgages they need. We know that every business is unique, which is why we don't have a one-size-fits-all approach to mortgage lending.
Our friendly and expert team of mortgage advisors dedicate their time to reviewing mortgage applications on an individual basis.
They'll look at your specific circumstances in the same way they would with any borrower, firstly looking to make sure you can afford it, then talking through the full range of mortgage products we offer, and these are available irrespective of whether you run your own business or you're a contractor.
In order to see if we can help, we'll need copies of:
We offer residential mortgages up to 95% loan to value (LTV) (75% in London & SE England).*
*Subject to lending criteria at the time
Buying a home is a big step and there’s a lot to consider.
Finding out how much you can borrow is a great place to start. It allows you to narrow down your search to the properties within your budget, ready for when the house hunt begins. You can find out how much you could borrow by visiting our mortgage calculator.
The quickest way to speak to a mortgage advisor who can potentially help you get on or move up the property ladder, or remortgage, is to Book an Appointment.
A mortgage is a loan, secured on a property, that is repaid with a predetermined set of payments over an agreed period of time.
The amount you could borrow will depend on your income, outgoings, property value, and how much you have available each month to pay back.
When looking to buy a property and take a mortgage out, you’ll need a deposit to put down. The minimum deposit needed can potentially be as low as 5% of the property’s value (dependent on the property you are buying and where you are looking to purchase).
To find out how much you can borrow and how much deposit you are going to need, you can make an appointment with one of our expert mortgage advisors who will be more than happy to guide you through the process.
To evidence self-employed income, we use an average of your last 2 years SA302’s. These show us the income that you paid tax on for the last 2 tax years, which is the income we can use to support the mortgage application.
As well as your last 2 years SA302’s, we also need your last 2 months business bank statements.
In some circumstances, we may need your last 2 years certified year end accounts in addition to the above. If you don’t produce certified accounts, we may need a copy of your full tax returns.
Your mortgage advisor would let you know the documentation they would need to verify your income during the application process.