When you’re self-employed, a freelancer or a contractor you can get a mortgage as long as you meet the lender’s criteria. In fact, getting a mortgage when you’re self-employed isn’t that different from getting one when you’re employed. Depending on your personal circumstances, you may have access to the same mortgages and lenders as an employed person and you won’t necessarily need specialist, “self-employed mortgage lenders”.
The key is proving your income as a contractor or self-employed professional and as an independent contractor, you will need to provide evidence of past and future work. There are even some lenders that will consider applications from people who’ve been contracting for less than a year if they can provide a track record of regular work in a similar role.
Our team of award winning, expert mortgage advisors are on hand to provide you with the best advice and tailored mortgage solutions for your personal circumstances, contact us to find out more >