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How I helpSelf-employed home loans
Running your own business should be a strength when you borrow, not a problem. Too often lenders make it feel like the opposite. The trick is knowing how each lender reads self-employed income, and matching you to the ones that read it fairly.
Lenders do not all count income the same way
Some want two full years of tax returns. Others accept one. Some add back certain expenses, others do not. The same business can look very different to two lenders. Being independent, I can take your real figures to the lender most likely to say a fair yes.
Getting your numbers ready
Before we go anywhere, we get your income picture clear, returns, financials, and any add backs that genuinely apply. A clean, well presented application is half the battle, and it is the half I take off your plate.
Straight answers about what is possible
You will know your realistic borrowing position before you start house hunting, not after a knock back. No false hope, no quiet pessimism. Just the real number and the lenders most likely to work with you.
Good questions, straight answers.
Do I need two years of tax returns?+
Not always. Some lenders accept one year for established businesses. We match you to lenders whose rules suit your situation.
Why do lenders give me different answers?+
Because they assess business income differently, including which expenses they add back. The right lender for you can change your borrowing power a lot.
My income varies year to year. Is that a problem?+
It can be managed. We present your figures clearly and choose lenders comfortable with how your business actually works.
What do you need from me to start?+
Usually recent tax returns and financials. We work out exactly what is needed once I understand your business, so you are not gathering paperwork you do not need.
Not quite your situation?
Ready when you are
Pick a time that suits you. We talk through where you are and what is possible. No cost, and no pressure after it.