Self Employed Mortgage Advice in Middlesbrough

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Discover the possibilities of Self Employed Mortgages!


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.


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 best lender we can find – one who fits your specific situation.


As a Mortgage Broker 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 best product tailor-made for your circumstances


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Popular Self Employed Scenarios in Middlesbrough

We work with all types of self-employed clients, all needing assistance with mortgages. Here are just a few of the scenarios that we are used to dealing with:


  • You have your own limited company or are self-employed as a freelancer in a particular industry. Then again, you may be a contract worker.
  • You’ve been told your credit rating isn’t what it should be.
  • You’ve only been in business for two years so can’t produce the standard ‘three years of income and expenditure accounts’.
  • Your business is a limited company and you take some of your profit in the form of dividends.
  • What you’d really like is someone to hold your hand throughout this complex process of trying to get a self-employed mortgage.


Traditionally, banks are not always very receptive when approached by their self-employed customers for mortgages. No matter how many years you have been banking with them or how much money you pay into your account on a regular basis, if their computerised lending criteria do not like your financial information, they will just say no.


We are used to dealing with complex mortgage situations.  All you have to do is get and touch with us and we will do the rest.

Why you should use a Mortgage Broker in Middlesbrough?

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.

Improve your chances of getting a Self-Employed Mortgage

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.


That’s because we have in-depth knowledge of the different lender’s self-employed mortgage criteria, and aim to get you with the right lender first.


Check out our feedback at and see why so many people choose us when looking for a self-employed mortgage.


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 mortgage consultation.

Reviews Stars5.00 Rating7 Reviews

Common mortgage

Your mortgage journey begins as soon as you get in touch with our team. We will send you over a fact find to fill out so we can learn a bit more about your personal and financial situation.

The next step of the process is for us to book you in for our free mortgage consultation so we can begin searching for the perfect mortgage product for you. We will also arrange a mortgage agreement in principle for you.

Once you’ve provided documents to support your agreement in principle, we can start preparing your mortgage application!

Your free initial mortgage consultation will roughly last 30-60 minutes. During the consultation, we will examine your current personal and financial situation so that we can get an idea of what sort of mortgage products you’ll match with.

If we manage to find you a deal and you’re happy to continue with it, we can start preparing your mortgage application!

As a Mortgage Broker in Middlesbrough, we would always recommend that you try and obtain a mortgage agreement in principle (AIP) as early in the process as possible. Ideally, you should obtain your AIP prior to viewing properties as it can open you up to being able to negotiate prices.

Your agreement in principle will last between 30-90 days. If your agreement in principle expires, you can easily renew it. Get in touch with your Mortgage Advisor in Middlesbrough to arrange this.

Yes, it may be possible to get a second mortgage. Reasons for getting a second mortgage include debt consolidation, home improvements, for a mortgage deposit for another property such as a Buy to Let property or a holiday home.

Usually, lenders will require a minimum of 5% of the property price. Even though most High Street Lenders look for 5%, if you’ve had credit issues in the past, you may be asked to put down slightly more.

It can be still possible to get a mortgage despite having bad credit issues in the past. Although, you should know that some lenders may require you to put down a larger deposit; this could be 10%-15%.

If you are Self Employed and have at least one year’s accounts ready to submit, then yes, you may be able to get a mortgage. Mostly, lenders will go off your salary plus dividend to calculate the maximum mortgage amount that you can borrow. Some are also known to go off your net profit.

During the mortgage process, you will be asked to prove your income, who you are etc. Some of the documents that you’ll be asked to provide include bank statements, payslips, proof of ID and proof of address. This may be slightly different for the Self Employed.

After your free 30-60 minute mortgage consultation in Middlesbrough, we will be able to go away and try and find you a mortgage product that’s perfect for your personal and financial situation. During this timframe, we will also arrange a mortgage agreement in principle for you within 24-hours.

If everything goes to plan and we recive yoru supporting documents, we can proceed to the point of mortgage application preparation. Once your application is submitted, a formal mortgage offer takes around 3 weeks on average.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action to get to know your Self Employed situation a bit better.

Step 2

You can take some time out to browse potential properties in Middlesbrough.

Step 3

Make an offer on the property in Middlesbrough that you have your eye on – we’ll finalise your figures and help you get your best deal as a Self Employed applicant.

Step 4

Our Mortgage Advice and recommendations. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & Middlesbroughmoneyman 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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