Self-Employed Mortgages
We pride ourselves on offering an outstanding service for clients looking to secure a self-employed mortgage on UK property.
At LDN Finance, we work with a broad spectrum of self-employed clients – from directors of well-established limited companies, through to professionals commencing their freelance careers. Our experienced advisers take the time to develop a deep understanding of the financial position of our self-employed property finance applicants. We often work alongside our clients’ accountants to ensure that all necessary financial information is accurate and complete. This ensures swift and decisive approvals from our network of self-employed mortgage lenders and keeps things moving for our clients.
Our mortgage advisers place great emphasis on our access to an extensive panel of lenders. This allows our team to find competitive mortgage products for self-employed professionals. Our network spans mainstream mortgage lenders, through to specialist and alternative lenders that are agile and have an appetite to lend to hard-working individuals.
To discuss your self-employed mortgage and circumstances in more detail, get in contact with our expert team today.
our values
How we work
Service
Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.
Expertise
We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.
Relationships
We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.
Frequently Asked Questions
To qualify for a mortgage as a self-employed individual you will need to provide proof of income for a given period, usually around two years (but we have access to some lenders that can assist those with only one years available). However, the assessment criteria for accessing a self-employed mortgage varies between each lender. Learn more about applying for a self-employed mortgage with LDN Finance here.
The number of years you need to be self-employed to qualify for a mortgage will vary between different mortgage lenders. Most will require you to be successfully self-employed for two to three years. However, some lenders will consider your application if you can provide proof of income for 12 months.
The amount you can borrow will vary between different lenders, how much you earn as a self-employed individual, and the total value of the property you wish to purchase. Generally, the maximum amount self-employed individuals can borrow is either 95% of the property’s value or 4.5 times their annual salary, but some lenders can go higher than this for some clients.
Mortgage lenders will usually require you to pay a minimum of between 5% and 10% of the purchase price. In addition, the lender will assess your credit history to determine whether you can afford the mortgage you have applied for.
Testimonials
Our happy clients
Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.
5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.
Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.
we are here to help
Get in touch
Contact our professional and experienced residential mortgage advisers and start your property finance journey today.
Prefer to chat? Call us on 020 3903 9875
5-star assurance for service and excellence