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Self-employed mortgages

For those working on a self-employed basis, this mortgage is available for applicants with only 1 year’s accounts

If your client runs their own business or works on a self-employed basis, our self-employed mortgage products can provide applicants with more flexibility. This product is also available to First Time Buyers.

Product Criteria

  • Minimum 12 months’ accounts plus a projection of future earnings, or
  • 2 Years+ finalised accounts plus a rising trend of more than 25% income (if using latest figures in affordability)
  • 1 months’ personal bank statement
  • Minimum age 21
  • Minimum term 5 years
  • Maximum term 40 years
  • Interest only or repayment
  • Interest only to 70% max LTV and subject to an acceptable repayment strategy
  • Minimum property value £100,000
  • Minimum loan size: £100,000. Maximum loan size: £3,000,000 up to 80% LTV, £1,000,000 up to 90% LTV. 

Please speak to the Intermediary Support Team for more information

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