If you fix property,
we can fix you a mortgage.

Whether you're a builder, plumber, electrician, carpenter, decorator, roofer or any other skilled tradesperson, we'll help you find the right mortgage without the hassle.

We understand self-employed income, CIS workers, subcontractors and limited company directors, and we know which lenders understand it too.

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 skilled trades

•

A dedicated adviser from start to finish

The right mortgage. Nailed.

Finding the right mortgage can be hard graft, but that's our job, not yours.

While you're busy on the tools, we'll search the whole market, compare the deals, handle the paperwork and keep everything moving from application to completion.

You focus on the day job. We'll do the heavy lifting to find the mortgage that's right for you.

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 income structure

The mortgage-ready process

Whatever your trade, we’ll sort your mortgage for free.

Whether you're laying bricks, fitting boilers, wiring homes or running your own construction business, we understand how tradespeople earn their living.

Better still, we know the lenders who do too. We'll match you with the right lender, present your earnings in the best light and give your mortgage application the best chance of success.

However you earn, we'll help you borrow:

A subcontractor

Working on building sites or projects for contractors and larger construction firms.

A limited company director

Running your trade through a limited company and paying yourself via salary and dividends.

A contractor

Taking on projects for agreed day rates or fixed-term contracts.

Paid via the Construction Industry Scheme

Working under the CIS scheme, with tax deducted before you're paid.

Self-employed

Running your own trade business and working directly for your customers.

A sole trader

Operating independently under your own name, from electricians to decorators and everything in between.

Tradespeople mortgage FAQ’s.

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

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 of 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 as a 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’m recently 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

Like the job done right?

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Like the job done right?

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Like the job done right?

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