HOW WE THINK DIFFERENTLY
High street banks automate their mortgage decisions around PAYE salaries and three full years of accounts filed with HMRC. If you're self-employed, the same system that serves your peers can quietly price you out for something that was never a risk in the first place.
We work with specialist lenders who assess your business on its own terms. That usually makes the difference between a no and a yes.
WHAT WE ACCEPT
See the numbers specialist lenders could realistically offer you, based on your unique self-employed income. Not a watered-down version of it.
Based on self-employed income
Indicative figures based on a typical specialist lender model. Actual borrowing depends on your full profile.
Step one
No paperwork. No pressure. We'll tell you straight whether a mortgage is realistic for your situation.
Step two
We send your case to the lenders most likely to say yes, drawn from our 50+ specialist panel. Typically within 48 hours.
Step three
Average time from first chat to mortgage offer is four to six weeks. Your advisor stays with you through exchange and completion.
We specialise in three audiences the high street keeps getting wrong. If your setup is different, talk to us anyway.
Designers, developers, writers, consultants. Irregular invoices, real businesses.
How we help freelancers→02Day-rate IT, engineering, healthcare. We know the lenders who count the whole contract, not just filed accounts.
How we help contractors→03Limited company owners with salary plus dividends. Retained profits that deserve to count.
How we help directors→A recent case
Sarah is a freelance illustrator. She'd been turned down by her bank twice. She had £42,000 saved, a £65,000 average income, and 18 months of trading history.
We matched her with a specialist lender who accepts 12 months of accounts, ignored the "only two full years" rule she'd hit elsewhere, and priced her at 5.2% on a five year fix.
She completed on a two bed flat in Bristol 42 days after her first call with us.
£0k
Borrowed
0.0%
5-yr fix
0%
LTV
0 days
To offer
“They read my business, not just my paperwork. I wish I'd started here.”
Sarah, freelance illustrator, Bristol
If you'd rather meet your advisor before booking a call, we run a stand at most UK self-employed events. No appointment needed, just walk up and ask for Amira or Tom.
MAR
Manchester
Stand 14
MAY
Olympia London
Stand B7
OCT
Birmingham
Stand 22
Buy-to-let · Self-employed landlords
Day rates, dividend income, retained profit. All the things your bank pretends don't exist. We work with lenders who underwrite on how your business actually makes money. From 75% loan-to-value on contractor income.
Pimlico, three-flat conversion.
