Busy keeping your business buzzing?

When you're self-employed, every hour counts. The last thing you need is to spend your evenings comparing lenders and completing mortgage applications.

Whether you're a sole trader, company director, contractor or freelancer, we'll do the legwork for you for free, so you can stay focused on keeping the honey coming in.

How we help:

•

Clear guidance on how much you can borrow

•

Advice on the document's lenders will need

•

Access to competitive rates across the whole market

•

Support for sole traders, contractors and freelancers

•

A dedicated adviser from start to finish

The self-employed mortgage match maker.

Different lenders assess self-employed income in different ways

Some lenders use your latest year’s accounts. Others average two or three years. Some look at salary and dividends. Others may consider retained profits, day rates, contracts or net profit.

We know which lenders are most likely to suit your circumstances, so you don’t waste time applying in the wrong place.

How we get you mortgage-ready:

•

Review your income, accounts and tax documents

•

Check how different lenders may assess your earnings

•

Identify any issues before you apply

•

Help prepare the paperwork lenders want to see

•

Match you with lenders suited to your business structure

The mortgage-ready process

We'll find a lender that says "yes".

At Moat, we'll take the time to understand how your business earns its income and identify the lenders most likely to fit your circumstances.

Then we'll carefully package your application, presenting your finances clearly and professionally to give you the very best chance of hearing those magic words... mortgage accepted.

Sole traders

We’ll help lenders understand your trading history, profits and tax calculations.

Freelancers

We’ll work with lenders who understand flexible income and project-based work.

Contractors

We’ll help present your day rate, contract history and future earning potential clearly.

Partnerships

We’ll help show your share of profits and how your income is structured.

Limited company directors

We’ll look at salary, dividends and, where suitable, lenders who may consider retained profits.

Recently self-employed

Even with a shorter trading history, there may still be options depending on your circumstances.

Self-employed mortgage FAQ’s

Can I get a mortgage if I’m self-employed?

Yes. Whether you're a builder, plumber, electrician, carpenter, roofer or any other skilled tradesperson, there are lenders who understand self-employed income. We'll match you with the ones most likely to accept your application.

Can I get a mortgage if I'm paid through CIS?

Absolutely. Many lenders accept applicants paid through the Construction Industry Scheme (CIS), and some will assess your gross CIS income rather than your taxable income, which could increase how much you're able to borrow.

How many years’ accounts do I need?

Many lenders ask for two years of accounts or tax returns, but some will consider applications with just one year's trading history if your finances are strong.

Can I get a mortgage if I'm a limited company director?

Yes. Depending on the lender, they may assess your salary and dividends, or even your company's net profit, which can sometimes increase your borrowing potential.

Can I use overtime, contract work or multiple income sources?

Yes. Many lenders will consider overtime, contract income and earnings from multiple sources, provided they're regular and sustainable.

What documents will I need?

This depends on how you're paid, but typically you'll need proof of ID, bank statements, tax returns or accounts, and, if you're paid through CIS, your recent CIS payslips. We'll let you know exactly what's required.

Can I get a mortgage if I've only recently become self-employed?

Possibly. While two years of trading gives you the widest choice of lenders, some will consider applicants with just 12 months of self-employment.

Do I need a large deposit?

Not necessarily. Mortgages are available with deposits from as little as 5%, although a larger deposit can often unlock better interest rates.

Will using a mortgage broker improve my chances?

It often does. Different lenders assess self-employed income differently. We know which lenders are most suitable for tradespeople and how to present your application to give it the best chance of success.

Do you charge a fee?

No. Our mortgage advice is completely free. We don't charge broker fees for arranging your mortgage—we're paid by the lender once your mortgage completes

Contact Moat

You focus on business.

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

You focus on business.

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

You focus on business.

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The right advice for free

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

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

Complaints Procedure & Your Rights

The right advice for free