Self Employed Mortgages Wirral
Your mortgage. Without the barriers.
Being self-employed shouldn’t mean getting grilled over payslips you don’t have. We know how to line up the right deal when your income isn’t as straightforward. We’ll explain what lenders really want to see and guide you through every step, so you can focus on running your business, not wrestling with the paperwork.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your mortgage,
simplified.
Mortgages that understand how you work.
Running your own business takes energy. Sorting your mortgage shouldn’t take the same.
Whether you’re a sole trader, partner, company director or contractor, we know what lenders want to see and how to package your application properly.
Mortgages, simplified.
Why self-employed clients choose NG Mortgages…
Whole of market access
We check lenders across the market, including those with flexible criteria for business owners.
Clear advice
We explain exactly what documents you need and why they matter.
End-to-end support
One adviser who knows your case inside out, from day one to completion.
Local knowledge
We work with self-employed clients across the Wirral and beyond.
Costs explained
Solicitor fees, insurance and every other expense talked through, so nothing catches you off guard.
How lenders see
your income.
Getting a mortgage when you’re self-employed can feel like proving yourself twice. Some lenders want two years of accounts, others look at just one. Some focus on salary and dividends, others on net profit. Here’s how it usually works.
Sole traders
Lenders usually look at your net profit, taken from your tax calculations and tax year overviews.
Company directors
Most lenders use your salary plus dividends. Some will use your share of the company’s profit instead, which can mean borrowing more.
Contractors
Some lenders work out your income from your day rate, rather than waiting for years of accounts.
Partners and LLPs
Your share of the partnership profit is usually what counts, backed up by your tax returns.
CIS workers
Construction workers paid under CIS can be assessed differently from lender to lender. The right one can make a real difference.
Newly self-employed
Two years’ accounts is common, but some lenders will consider one year. Very new businesses have fewer options.
Up-and-down income
Some lenders average your last two or three years, others use your latest year. Which one suits you depends on your figures.
Fees, explained
Solicitor, valuation, lender fees and insurance, all talked through upfront, so there are no surprises.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £450. Your first chat is always free.
What documents
will I need?
Paperwork is heavier when you’re self-employed. Every lender is slightly different, but this is the usual list. We’ll tell you exactly what your lender needs before anything is submitted.
The essentials
- Tax calculations (SA302s) and tax year overviews, usually for two years
- Company accounts, if you’re a limited company director
- Recent personal bank statements
- Photo ID and proof of address
The extras
- Business bank statements
- Your current contract, if you’re a contractor
- An accountant’s reference or certificate
- Details of any other income
Tax calculations, SA302s, business accounts, bank statements: we package it all so it makes sense to lenders, and keep the process moving while you focus on your business.
From accounts to keys,
without the chaos.
Whatever your setup, we make it simple. Our five-step process keeps everything clear, so you always know where you stand.
We listen first
We start with your story. How do you earn, how long have you been trading, and what are your plans? Whether you’re a contractor, limited company director or sole trader, we understand your income before we talk lenders.
We do the digging
We search the market for self-employed mortgage deals in Wirral and beyond, looking at lenders who fit your profile, whether that means salary and dividends, net profit, or day rate contracts.
We handle the hard bit
Paperwork is heavier when you’re self-employed. Tax calculations, SA302s, business accounts, bank statements: we deal with it all and package it so it makes sense to lenders.
We guide you to the finish
From application to offer to completion, we keep you updated in plain English. You’ll always know what’s happening and why, without chasing for updates.
We don’t stop there
Sorting the mortgage is just the start. We’ll also look at protection that makes sense for self-employed clients, like income protection and life cover, so your home and business are safeguarded.
Ready to get your mortgage sorted?
As with all insurance policies, conditions and exclusions will apply.
Clear advice.
No pressure.
“…but also give you the space to think it over and come to your own decision. No pressure at all. He is brilliant at his job and I recommend to anyone!”
“Nick replies to messages quickly and is always available to answer questions.”
“NG Mortgages provided a brilliant service… I highly recommend NG Mortgages.”
Can I get a mortgage with one year’s accounts?
Sometimes, yes. Many lenders want two years, but some will consider one full year of trading, especially if you were in the same line of work before. We’ll point you to the ones that fit.
What is an SA302?
An SA302 is a tax calculation from HMRC showing your income for a tax year. Lenders usually ask for it alongside your tax year overview. You can normally download both from your HMRC online account.
I’m a contractor. How is my income worked out?
Some lenders will use your day rate, typically multiplied up to an annual figure, rather than your accounts. Others treat you like any other self-employed person. It depends on your contract and history.
Will I pay a higher rate because I’m self-employed?
Not necessarily. If you meet a lender’s criteria, you can usually access the same deals as employed borrowers. The key is matching your income to the right lender.
Do I need an accountant?
It isn’t essential, but it helps. Some lenders ask for accounts prepared by a qualified accountant, and a good accountant can make your paperwork much easier for lenders to read.
My income dropped last year. Can I still get a mortgage?
Possibly. Some lenders use the latest year, others average two or three years, so a dip doesn’t always mean a no. We’ll look at your figures and explain what’s realistic.
Wirral roots. Self-employed know-how.
We’re based in Greasby and work with self-employed clients across the Wirral. Whether you’re renewing your deal, moving home or buying for the first time, we know which lenders understand business income and how to get your case packaged the right way.
Nick, your adviser
Stop scrolling.
Start moving.
Your mortgage, made simple.
You’ve seen the steps, thought about your options and know where you want to be. Now it’s time to act. Book a free chat today and we’ll guide you through your self-employed mortgage from start to finish.
Your home may be repossessed if you do not keep up repayments on your mortgage.