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Self Employed Mortgage Advice in Cambridge

It's free to speak with a mortgage advisor
7 days a week, 8am - 10pm

01223 653832 Speak to an Advisor - It's free!
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Self Employed Mortgage Advice in Cambridge

Speak to a mortgage expert today for tailored self employed mortgage advice in Cambridge.

Speak to an Advisor - It's free!

Advice for Self Employed Mortgages in Cambridge

When you are self employed, unfortunately, the process can make it a little harder to get a mortgage. This is because you are applying as an individual and as a business so you will need to supply extra pieces of supportive documents to evidence your income. The lender is only trying to see whether you are reliable.

Our job, as a mortgage broker in Cambridge, is to help you prepare your self employed mortgage application and find you a deal that is tailored to your personal and financial situation. We will also be able to calculate how much you can borrow and check your eligibility before submitting your self employed application.

At Cambridgemoneyman, we offer a free mortgage appointment with a self employed mortgage advisor in Cambridge. This advisor will specialise in helping self employed applicants like yourself.

Once we have gathered information from you regarding your personal and financial situation, your mortgage advisor in Cambridge will begin searching for a mortgage product that is perfect for you. We have a large panel of lenders and we can search 1000s of self employed deals. Your advisor will present you with the mortgage deal that they have found, and then it is up to you whether you want to move forward with it or not.

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Self Employed Mortgage Advice in Cambridge

Self Employed Mortgage Advisors in Cambridge

We have been helping self employed mortgage applicants for over 20 years and have developed a great understanding of the self employed lending criteria. Our self employed mortgage specialists have access to competitive mortgage products; some of which are only accessible to mortgage brokers in Cambridge, like ourselves.
You will find that each bank has its own in-house credit scoring policy. They use this to determine whether you can get a mortgage with them or not. These credit scoring systems are different to those applying for a mortgage as a regular employee.

They will look at your current mortgage repayments (if any), any repossession information and other spending patterns, to see whether you are considered a ‘reliable’ applicant. When you are self employed, your lender will assess a minimum of three years’ of accounts, tax calculations and net profit.

It is always best to speak to a self employed mortgage expert before applying for different products. We will double-check everything first to make sure that you are applying for the best product for your individual situation.

How many years do you have to be self employed in Cambridge to be able to get a mortgage?

Most lenders will require you to have been working as self employed for at least 2 years before you can get a mortgage.

In some cases, you may come across mortgage lenders who only need to see one year from you.

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Self Employed Mortgages FAQ's

I've been declined by bank for a self employed mortgage, can we help?

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If you approach your bank or building society and get declined due to strict lending criteria, you may need to approach a broker so that you have the chance to access these specialist Self Employed products.

We are more than happy to help you through your self employed journey, all you need to do is get in touch and book your free self employed mortgage appointment.

Do applicants of a self employed mortgage in Cambridge must pay higher rates?

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When you are self employed, you gain access to the same types of mortgage products that you do as a first time buyer, home mover, etc. The only thing that changes during the mortgage process is how a mortgage lender evaluates your income.

Of course, your credit score and affordability will affect what sort of deals you are able to access. This applies to all types of mortgage applicants.

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Our Simple Mortgage Process

Book Your Free Mortgage Appointment

Step 1

Book your free mortgage appointment with a mortgage advisor in Cambridge.

Speak With Your Mortgage Advisor In Cambridge

Step 2

Attend your mortgage appointment and answer some questions provided by your advisor.

Do You Want To Take The Deal?

Step 3

Make the choice to take our mortgage recommendation. This deal will be suited to your personal and financial situation.

Submit Your Mortgage Application

Step 4

If you want to continue with us and the deal, it's time to prepare, and then submit your mortgage application.

Reasons to Choose Us

Specialist Situations

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As a specialist mortgage broker in Cambridge, we are here to help you through your mortgage process from start to finish. These types of situations may require specialist help and a look-over from an expert advisor. We would be more than happy to help you get by your mortgage hurdles so don't hesitate to get in touch.

7 Days a Week

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Our responsive mortgage advice team are on hand 7 days a week to make sure that you can speak to a professional at any time that you want. Whether you want a chat with your advisor early in the morning or late at night, we are available to chat!

20+ Years' Experience

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We are very experienced with self employed mortgages, we have been working in the mortgage industry for over 20 years! This experience has led us to become experts in providing mortgage advice in Cambridge.

Malcolm and Amy Davidson - Mortgage Advice in Cambridge

We Search 1000s of Self Employed Mortgages in Cambridge

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Common Self Employed Mortgage Scenarios

Combined Income

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As a self employed business owner, your income is combined with your salary, dividends or directors’ loan.

Busy Business Period

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Your company is experiencing a busy business period and you require help from a mortgage advisor in Cambridge.

Keep Net Profit Within Business

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You prefer to keep the vast majority of your net profit within your company, as opposed to paying yourself a larger salary.

Trading For Less Than 1 Year

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Your business has been trading for less than one year.

Banks' Strict Lending Criteria

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Even though you have a great credit score, you are unable to match the banks’ strict lending criteria.

Self Employed Mortgage Advice in Cambridge

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You are the owner of a company, a director, a sole trader or a business partner, requiring self employed mortgage advice in Cambridge.

Mortgage Guides & Cambridgemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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