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Bridging Finance
Specialist Mortgages

Expert Mortgage Advice for business owners
and the self-employed

Traditionally, lenders always wanted two years' accounts for someone who was self-employed, and they would also need to demonstrate increasing profits, year on year.

Thankfully, lenders are now beginning to take a more flexible approach and will consider approving applications from applicants with just one years accounts and if you are a contractor, affordability could be assessed on the value of the contract alone.

If you require a buy-to-let mortgage, affordability could be assessed on the rental income alone.

Trading less than two years?

A number of lenders will now consider a mortgage application from someone who has been trading less than two years, as long as you can provide one years accounts.

Do you have a contract with a client?

You may not get paid by the traditional way of monthly pay-slips and an annual P60, but if you have a contract with your client, with some lenders, affordability of mortgage application can be assessed on the value of your contract.

Zero Hour Contracts

An increasing number of individuals now have a zero hour contract with their employer, but this won’t necessarily stop you getting a mortgage.

Contractor Mortgages

You may provide your services to a client through a contract between your limited company and your client. In these circumstances, it may be possible to assess the affordability of your mortgage based on the value of the contract.

Limited Liability Partnerships

If you are a professional and have recently joined a firm as partner, lenders will now assess affordability of the mortgage based on the value of your contract with the partnership.

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