Self Employed Mortgages for the Wirral & Beyond
Your Mortgage. Without the Barriers.
Being self employed shouldn't mean getting grilled over payslips you don't have. At NG Mortgages we know how to line up the right deal when your income isn't as straightforward. We'll keep lenders happy, explain what they really want to see, and guide you through every step so you can focus on running your business, not wrestling with the paperwork. Mortgages, simplified.
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.
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 expertise — based in Wirral, we work with self employed clients across Birkenhead, Wallasey, Heswall and beyond
✅ Costs explained — we talk through solicitor fees, insurance and every other expense so nothing catches you off guard
From Accounts to Keys, Without the Chaos.
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. Whatever your setup, we make it simple. Our five step process keeps everything clear so you always know where you stand.
Step 1. 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 take the time to understand your income before we talk lenders.
Step 2. We Do the Digging
We search the market for self employed mortgage deals in Wirral and beyond. We look at lenders who fit your profile, whether that means using salary and dividends, net profit, or day rate contracts. You'll see the strongest options laid out clearly, without jargon.
Step 3. 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. We package everything so it makes sense to lenders and keep the process moving while you focus on your business.
Step 4. We Guide You to the Finish
From application to offer to completion, we keep you updated in plain English. You'll always know what is happening and why, without second guessing or chasing for updates.
Step 5. We Don’t Stop There
Sorting the mortgage is just the start. We'll also look at protection options that make sense for self employed clients, like income protection and life cover. That way your home and your business are safeguarded if life throws the unexpected.
Ready to get your mortgage sorted?
Being self employed shouldn't make mortgages complicated. We cut the waffle, explain your options and guide you through a deal that fits your business and your life.
Wirral Roots. Self Employed Know-how.
We're based in Wirral and work with self employed clients across Birkenhead, Bebington, Wallasey, West Kirby, Heswall and Hoylake. 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.
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 appointment today and we'll guide you through your self employed mortgage from start to finish. Mortgages, simplified.