Applying for a Mortgage as a Self-Employed Person

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Self-employed people might find it harder to get any sort of credit or financial product in comparison to those in full-time employment through an employer. This has always been the case, but it should never stop a self-employed person from applying for a mortgage, as there are services out there that will result in you successfully getting a mortgage.

At Central Mortgages we have built up an extensive network of lenders, meaning that no matter your situation we have the means to help you acquire a mortgage. It can be more difficult for self-employed people to apply for a mortgage, just because they do not necessarily have the steady income and stability over a long period of time to demonstrate when applying. Lenders in some cases view this as a high-risk applicant and are more likely to reject the application.

To get the best mortgage deal as a self-employed applicant you must demonstrate solid income over the previous two years (or more if you have the information available). This will help to make a smoother application process and is more likely to result in a successful mortgage application.

If you are considering applying for a mortgage but you are self-employed, it is understandable that you would want to get some insight and advice from experts in the field. The team at Central Mortgages has a wealth of experience in such matters, and we have an extensive network of lenders to suit all situations, making it easier for you to find a self-employed mortgage. Contact us today on 01277 630 183 or

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