Am I Eligible? - The Quick Guide to Securing a Mortgage
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Self-Employed Mortgages

Self-Employed Mortgages

Mortgages for the self-employed are not a myth, and here at Mortgage Search Go, if you are self-employed, we can help.

You may be surprised to know that the process through which we obtain a mortgage offer for the self-employed is very similar to the process we work through for the employed.  You are assessed on your past and future income in addition to your expected ability to meet your repayments.

Many of those who are self-employed take a monthly salary and/or dividend and this, along with a form SA302 and Tax Year Overview will support your application with a mainstream lender. There are lenders that will look at retained profit within a limited company, and other lenders will consider clients with only 12 months trading under their belts.

Mortgage Search Go is a whole of market brokerage. Our nationwide network of lenders means that we are not tied to any one lender and so if there is a mortgage available to you as self-employed person, a whole of market broker will find it!

For more information call us on 0844 69 333 60 or click here to contact one of the Mortgage Search Go team.

Don’t know how to obtain your SA302 and Tax Year Overview? Read on:  


Tax Assessments (SA302s) are obtained when you:

• Log into your HMRC online account via www.online.hmrc.gov.uk

• Select ‘Self-Assessment’

• Follow the link ‘tax return options’

• Choose the year from the drop-down menu

• Follow the link ‘view calculation’

• Follow the link ‘view and print your calculation’

• Follow the link 'print your full calculation'.  


For Tax Year Overviews you should:

• Log into your HMRC online account via www.online.hmrc.gov.uk

• Select ‘Self-Assessment’

• Follow the link ‘view account’

• Follow the link ‘tax years’

• Choose the year from the drop-down menu and click the ‘Go’ button

• Follow the link ‘print your Tax Year Overview’.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT