Oliver Hartnack

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CONTACT US

07904 800 962

EMAIL US

oliver@ohmortgages.co.uk

GETTING SELF EMPLOYED MORTGAGES ACROSS THE LINE

SELF EMPLOYED MORTGAGES

If you’re self-employed, it can often feel like there are many hoops you have to jump through in order to get a mortgage application approved. Luckily, there are still a wide range of options available for example, working with an experienced mortgage broker like us here at OH Mortgages. We’re here to provide an understanding of the various loan requirements and help you get your self-employed mortgage approved.

OLIVER HARTNACK - SPECIALIST IN SELF EMPLOYED MORTGAGES

Are you a self-employed individual struggling to secure a mortgage? Look no further than OH Mortgages. With over a decade of experience in the mortgage industry, they’ll be sure to find tailored mortgage options to suit your unique needs.

Navigating the mortgage process as a self-employed individual can be challenging, but they’re dedicated to providing a personalised service and expert advice to help their clients achieve their financial goals. Don’t let your self-employment status hold you back from purchasing your dream home. Contact Oliver today to learn more about how he can help you secure your selfemployed mortgage.

SPECIALIST MORTGAGE ADVISOR (1)

DO YOU HAVE ANY QUESTIONS ABOUT SELF EMPLOYED MORTGAGES?

Mortgage applications can be confusing, but they don’t have to be. With our help, you can have your questions answered in no time. Get in touch if you have any queries, or need some expert advice on your unique situation!

APPROVED MORTGAGES FOR SELF EMPLOYED WORKERS

BENEFITS OF USING US FOR SELF EMPLOYED MORTGAGE ADVICE

We understand that getting a mortgage can be a daunting process, especially if you’re self-employed. That’s why we’re committed to helping you navigate the process and get your self-employed mortgage across the line. Here’s how we can help:

Access to a wide range of lenders: As a mortgage broker, we have access to a wide range of lenders, including those who specialise in self-employed mortgages. This allows us to find the best mortgage options for your unique financial situation.

Expert advice: Our mortgage experts have years of experience working with self-employed individuals and understand the complexities of self-employment income. We can provide expert advice on how to improve your chances of getting approved for a mortgage.

Streamlined application process: Your time is valuable. That’s why we’ve streamlined our application process to make it as simple and efficient as possible. We’ll guide you through each step of the process, from pre-approval to closing.

Personalised service: We know that everyone’s financial situation is unique. Our personalised service is here to account for this. Let us take the time to understand your financial goals and work with you to find the best mortgage options out there.

Contact us today to learn more about how we can help you get your self-employed mortgage across the line.  

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

Other Services We Proudly Provide

In addition to providing mortgage advice for the self-employed, we also provide a wide range of other services. These include:

FAQ'S ON SELF EMPLOYED MORTGAGES

We’ve prepared some of our most common frequently asked questions around self employed mortgages, if you have any further questions, please don’t hesitate to speak to our team. 

Yes, getting a mortgage doesn’t have to be a challenge if you’re self-employed. As a specialist mortgage broker, we’ll work with you to find various different lenders who will be able to approve your application.

Traditionally, lenders and banks have been more reluctant to lend a mortgage to people who are self-employed as they don’t have the same level of security compared to someone with an employed position. This means that your credit history, income evidence and other factors need to be taken into consideration when you apply for a mortgage.

Most lenders and banks require you to have been self-employed for two or more consecutive years when applying for a mortgage, but this varies between different lenders. In some cases, you can get a mortgage with 1 years’ income evidence, but this will be based on your own unique circumstances. Please speak to our team and we can advise the best options available specific to your own circumstances.

The amount you can borrow for a mortgage when you’re self-employed varies from lender to lender and also depends on your individual circumstances such as credit history, income evidence and other factors. On average, you can borrow up to 4.5 times your annual income.

We will use our expertise to find the best lenders available so that you get the most competitive rates for your situation.

To prove your income to the lender, you will need to provide them with evidence of your financial situation. This could include proof of self-employment (e.g. business accounts), bank statements, previous tax returns and other documents specific to your individual circumstances. If you would like more information about applying for a mortgage as a self-employed person, please speak to our team. We understand that the process of applying for a mortgage can be daunting and confusing, but we will work closely with you every step of the way to find the most suitable solutions.

In some cases, yes you can. This depends on your individual circumstances and lenders criteria. We will work with you to find a tailored mortgage solution that suits your needs, even if you have been self-employed for less than two years.  To discuss your application further please contact one of our mortgage specialists today.

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REFER A FRIEND TODAY

Hopefully you have enjoyed your mortgage and protection journey with OH Mortgages, we are here to help with any of your future needs. If you have any friends, family or work colleagues that might also benefit from our services we offer a great refer a friend scheme where you will receive a £50 amazon gift to spend on whatever you like, and there is no limit to how many gift cards you can receive. The £50 voucher will be paid on completion of any of your referrals mortgages.