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It’s not easy getting a mortgage when you are self employed – regardless of what industry you happen to be in and how much money you make on an annual basis. That’s because traditional high street lenders ie banks and building societies can sometimes make self-employed applicants jump through more hoops in terms of proving their income.
Today’s working patterns are very different. In fact, there were 4.8 million people ‘working for themselves’ in 2017, compared to 3.3 million in 2001. That’s a jump of 1.5 million people – a huge number of potential customers in any one’s book.
If you need to speak with a mortgage advisor in Middlesbrough about your self employed mortgage situation, book a free initial mortgage appointment and we can talk you through your options.
The fact that self-employed individuals have to provide more evidence of their income to prove they can afford mortgage repayments has resulted in many people contacting out specialist mortgage advisors in Middlesbrough for help and advice.
We are able to search thousands of mortgage deals. But better still we will sit down with you and listen to your circumstances. We’ll then match you with the most suitable lender we can find – one who fits your specific situation.
Here at Middlesbroughmoneyman, we provde knowledable mortgage advice in Middlesbrough , we have expert knowledge of self employed lending criteria. As a result, we aim to get it right first time and find you the most suitable product tailor-made for your circumstances
We tend to find, you need to have been self employed in Middlesbrough for at least two years, as most lenders will wish to see proof of that time frame.
In some cases, you may come across mortgage lenders who only need to see one year from you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Discuss your current situation and your mortgage goals with a dedicated mortgage advisor in Middlesbrough.
During this appointment, your advisor will look at your tax year overview and tax calculations to work out your affordability.
Our team will search through 1000s of mortgage products to find the most suitable deal for your circumstances.
We will then find you a mortgage agreement in principle to help you in backing up any offers you would like to make.
Once your purchase offer has been accepted, your mortgage advisor in Middlesbrough will submit your full mortgage application and evidential documents to your lender.
Throughout your process, a dedicated case manager will keep you updated through until you receive your formal mortgage offer and your purchase is completed.
Our service doesn’t just stop here. We won’t just secure you the most suitable mortgage deal, we will also recommend relevant insurances to keep you protected.
We will also contact you towards your mortgage renewal date, to make sure that you are always on the most suitable deal.
Apart from consulting a self employed mortgage broker like ourselves, there are other ways you can ensure you stand a good chance of being successful in obtaining finance. One of the ways is to come directly to a broker for self employed mortgage advice in Middlesbrough.
We have in-depth knowledge of the different lender’s self-employed mortgage criteria, and aim to get you with the right lender first.
Although your options may be limited to certain lenders, the types of mortgages which are available are still quite wide and varied.
Even if your self employed and looking for a landlord buy to let mortgage we may be able to help with our mortgage advice in Middlesbrough team. Whatever your situation, we don’t just give up with our clients, we bet you’ll be glad you came to us.
As your Mortgage advisor in Middlesbrough, we are here to help you. Get in touch with us today and make a date for your free initial mortgage consultation.
Check out our feedback at Reviews.co.uk and see why so many people choose us when looking for a self employed mortgage.
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Middlesbroughmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Middlesbroughmoneyman 2009–2026
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Middlesbroughmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Middlesbroughmoneyman 2009–2026
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