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Self Employed Mortgages Keighley

Mortgages don’t have to be complex for self employed applicants – Let GoMortgage help.

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Self Employed Mortgages Keighley

Welcome to GoMortgage – Specialist Self-Employed Mortgages in Keighley.

At GoMortgage, we are experts in helping self-employed individuals in Keighley secure the perfect mortgage for their unique financial situations. We understand that as a self-employed professional, your income can be more complex than that of traditional employees, and navigating the mortgage process might feel challenging. Our goal is to simplify the journey, offering clear and effective solutions to help you secure your dream home with confidence.

Specialists in Self-Employed Mortgages

Our team of experienced mortgage brokers in Keighley is highly knowledgeable about the specific requirements for self-employed mortgages. We stay informed about the latest lending criteria and market developments, ensuring we provide up-to-date advice tailored to your circumstances. Whether you’re a sole trader, freelancer, contractor, or business owner, we’re here to guide you towards a mortgage solution that suits your needs.

Start Your Mortgage Journey Today

If you’re self-employed and looking for expert support with your mortgage in Keighley, GoMortgage is here to help. Whether you’re buying your first home, remortgaging, or expanding your property portfolio, we make the process as straightforward and stress-free as possible.

To learn more, fill in our online contact form or call us directly on 01253 935050 to speak with a member of our team. Let GoMortgage help you take the next step toward your new home!

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Understanding Self Employed Mortgages:

Securing a Mortgage as a Self-Employed Individual:

For self-employed individuals, obtaining a mortgage can feel more challenging than for traditional employees. However, with the right preparation and guidance, it’s entirely achievable. Here’s a concise guide to understanding the process:

1. Providing Income Documentation: Unlike salaried employees, self-employed applicants must supply comprehensive income records. These typically include:

Tax returns (SA302 forms)

Professionally prepared business accounts (covering at least two years)
Lenders use these documents to evaluate your ability to manage mortgage repayments.

 

2. Meeting Lender Criteria: Lenders often calculate your average income over the past two to three years, paying close attention to consistency and stability. Depending on your type of self-employment—whether you’re a freelancer, contractor, or business owner – lenders may assess your application differently.

3. Deposit Size and Interest Rates: Due to the perceived risks associated with variable incomes, lenders might request a larger deposit, typically 10-20% of the property’s value. However, competitive interest rates are still within reach, provided you present strong financial documentation and a solid credit history.

4. Exploring Mortgage Options: Self-employed individuals have access to the same variety of mortgages as other applicants, including fixed-rate and variable-rate options. The right choice will depend on your financial goals and circumstances, so it’s important to weigh the benefits of each type carefully.

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5. Navigating Challenges with Flexibility: One of the main obstacles for self-employed applicants is proving a consistent income, especially if earnings fluctuate. Fortunately, some lenders specialise in self-employed mortgages and are more flexible in assessing affordability. Enlisting the help of an experienced mortgage broker can make all the difference, connecting you with lenders who understand the nuances of self-employment.

How GoMortgage Can Help:

At GoMortgage, we understand the unique requirements of self-employed individuals and are committed to making the mortgage process straightforward and stress-free. Our expert team works with you to find the best deals, ensuring a smooth journey toward securing your dream home.

Contact us today to take the first step toward homeownership. Let us guide you through the process and help you unlock the possibilities of a self-employed mortgage! If you would prefer to speak to our advisors directly, please feel free to call on 01253 935050.

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Why GoMortgage Is The Perfect Choice For Self Employed Mortgages?

Self-Employed Mortgages in Keighley: Simplified by GoMortgage:

Trying to navigate the mortgage market as a self-employed individual can feel extremely daunting, but at GoMortgage, we make the process straightforward and stress-free. Here’s why we’re Keighley’s trusted choice for self-employed mortgages:

1. Expertise in Self-Employed Mortgages: Our experienced team at GoMortgage specialises in working with self-employed clients. We stay up-to-date with the latest lender criteria and market developments to provide you with accurate, tailored advice. Whether your income comes from freelancing, contracting, or running a business, we can help you secure the ideal mortgage.

2. Personalised Client Service: We know that every self-employed individual’s financial situation is unique. That’s why we offer bespoke, client-focused service, crafting mortgage solutions that cater specifically to your needs. Don’t just take our word for it – click here to see our client testimonials and discover how we’ve helped others like you.

3. Tailored Mortgage Options: At GoMortgage, we take the time to understand your income patterns, long-term goals, and financial priorities. This allows us to design customised mortgage plans that align perfectly with your circumstances, ensuring you get the best possible deal.

4. Higher Chances of Approval: Securing a mortgage as a self-employed individual can be complex, but our in-depth knowledge of lender expectations means we know how to present your financial profile in the best possible light. This significantly improves your likelihood of approval, even with fluctuating income.

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5. Streamlined, Efficient Process: We handle the entire mortgage process for you, from initial consultation to final approval. By managing the paperwork, liaising with lenders, and addressing any challenges, we save you time and reduce stress, leaving you free to focus on your business.

6. Peace of Mind Guaranteed: Our expertise and proactive approach mean you can trust us to manage every detail of your mortgage application. We take care of the complexities, giving you peace of mind throughout the process.

Why Choose GoMortgage for Self-Employed Mortgages in Keighley?

  1. Specialist expertise in self-employed applications.
  2. Bespoke service tailored to your unique financial circumstances.
  3. Higher approval rates thanks to our knowledge of lender requirements.
  4. A simplified, time-saving process.
  5. Continued support for your future mortgage needs.
 

If you’re self-employed and looking for a mortgage in Keighley, let GoMortgage guide you through the process. Call us on 01253 935050 today to start your journey toward securing the ideal mortgage solution for your needs.

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Self Employed Mortgage FAQ'S

Is It Difficult to Get a Self-Employed Mortgage?

Securing a mortgage as a self-employed individual can be more challenging than for an employed applicant due to the perceived higher risk for lenders. However, the good news is that many excellent mortgage products are specifically designed for self-employed borrowers, making it entirely possible to find a solution that fits your needs.

Here are the most popular income types for self employed mortgages:

Dividend income.

PAYE income.

CIS Income.

Directors’ loan.

Retained profits.

Freelancer/Contractor income.

Employer pension contributions adjustment.

Benefit income.

Investment income.

Pension income.

Can Self-Employed Individuals Get a Mortgage?

Yes, absolutely. Self-employed individuals can secure a mortgage, but the key lies in selecting the right lender for your specific circumstances. Navigating the mortgage market as a self-employed applicant can be more complex due to varying lender criteria, making it challenging to find the best fit without professional guidance.

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Working with an experienced mortgage advisor ensures that your unique financial situation is presented effectively, helping you access the most suitable deals and improving your chances of success.

As a mortgage broker, we have access to thousands of mortgage products and can help find the ideal one tailored to your circumstances as a self-employed individual.

During your mortgage appointment, out advisor will determine how much you may be able to borrow, explore whether you qualify for a deal with a high street lender or if a specialist lender is required, and provide an estimate of your monthly costs.

Book your mortgage appointment online today and take the first step in your journey! Call us directly on 01253 935050, alternatively, hit the Contact Us button below:

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Enquire About Self Employed Mortgages In Keighley

Being self-employed shouldn’t make it more difficult to secure a mortgage, but we understand the challenges you may encounter. That’s why, at GoMortgage, we’re here to guide you through the process and help you achieve your property ambitions.

To learn more about how our mortgage advisors in Keighley can assist you or to get information about self-employed mortgages, please don’t hesitate to get in touch. Simply fill out the contact form below or call us directly on 01253 935050.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

“To provide exceptional mortgage and protection services to clients across the UK, helping them achieve their dreams of homeownership while ensuring their financial well-being. We are committed to delivering outstanding customer service, personalized guidance, and innovative solutions. Through our expertise, professionalism, and dedication, we aim to be the go-to choice for individuals and professionals seeking reliable, trustworthy, and stress-free mortgage experiences. At GoMortgage, our mission is to empower clients, simplify the mortgage process, and build lasting relationships based on transparency, integrity, and exceptional results.”
Chris Days Mortgages Ltd trading as GoMortgage. Registered Office: 105 Garstang Road Preston, PR1 1LD. Registered in England, number 12240745. GoMortgage is a trading name of Chris Days Mortgages Limited which is an appointed representative of Progress F S Limited which are authorised and regulated by the financial conduct authority. Registered office: 105 Garstang Road, Preston, PR1 1LD. Registered in England, number 04217039
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