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Shaw Financial Services
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Shaw Financial Services
Home
About Us
Mortgages
  • First Time Buyer Mortgage
  • Home Movers Mortgages
  • Remortgage
  • Self Employed Mortgages
  • Right To Buy Mortgages
  • Bad Credit Mortgages
  • Buy To Let Mortgages
  • Proportunity
  • Self Build Mortgages
  • Specialist Advice
  • Mortgage Calculator
  • First Time Buyer E-Book
  • Refer and Earn
  • Check Your Credit Report
  • Mortgages Explained
  • Conveyancing
Protection
  • Life Insurance
  • Critical Illness Cover
  • Income Protection
Contact Us
Book An Appointment
Equity Release Advice
Commercial Mortgages
Locations We Cover
  • Blidworth
  • Bolsover
  • Chesterfield
  • Clipstone
  • Forest Town
  • Hucknall
  • Kirkby In Ashfield
  • Mansfield
  • Mansfield Woodhouse
  • Nottingham
  • Rainworth
  • Ravenshead
  • Shirebrook
  • Sutton in Ashfield
  • Warsop
  • Worksop
More
  • Home
  • About Us
  • Mortgages
    • First Time Buyer Mortgage
    • Home Movers Mortgages
    • Remortgage
    • Self Employed Mortgages
    • Right To Buy Mortgages
    • Bad Credit Mortgages
    • Buy To Let Mortgages
    • Proportunity
    • Self Build Mortgages
    • Specialist Advice
    • Mortgage Calculator
    • First Time Buyer E-Book
    • Refer and Earn
    • Check Your Credit Report
    • Mortgages Explained
    • Conveyancing
  • Protection
    • Life Insurance
    • Critical Illness Cover
    • Income Protection
  • Contact Us
  • Book An Appointment
  • Equity Release Advice
  • Commercial Mortgages
  • Locations We Cover
    • Blidworth
    • Bolsover
    • Chesterfield
    • Clipstone
    • Forest Town
    • Hucknall
    • Kirkby In Ashfield
    • Mansfield
    • Mansfield Woodhouse
    • Nottingham
    • Rainworth
    • Ravenshead
    • Shirebrook
    • Sutton in Ashfield
    • Warsop
    • Worksop
  • Home
  • About Us
  • Mortgages
  • Protection
  • Contact Us
  • Book An Appointment
  • Equity Release Advice
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  • Locations We Cover

Self Employed Mortgages In Mansfield

How Can I Get A Mortgage When I'm Self Employed

The biggest misconception about the mortgage market is that it is challenging for self-employed people to get a self-employed mortgage loan to buy a home. This is because self-employed borrowers potentially have access to precisely the same range of mortgage products as everyone else.  


The key is that you will have to be able to evidence you have the income necessary to make the repayments on the loan for which you are applying, which is precisely the same as if you were employed. The problems can arise with evidencing income as most self-employed people don't have payslips. So you need tax documents, along with business bank statements and possibly a reference from your accountant. 


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The standard requirements are that you have at least two years' worth of business accounts, SA302s or tax returns –  (though a few mortgage lenders may request three years' worth, and some lenders only require one year's trading and tax documents). In addition, if you are self-employed as a contractor, you could also have to provide evidence of work you have already lined up for the future by way of contracts to show that your current income can be maintained. 


A handful of specialist lenders offer products designed with the self-employed in mind. However, mainstream mortgage lenders routinely lend to the self-employed, too, and the chances are that as long as you can show sufficient accounts, this is not a bar to any normal mortgage range.


Given the other challenges you may face when applying for a mortgage – it's beneficial for self-employed workers to take impartial and expert advice on getting the best possible mortgage deal. We are independent mortgage brokers covering Mansfield & Sutton-in-Ashfield. So if you need a mortgage broker in Mansfield or a mortgage broker in Sutton-in-Ashfield, we're here to help.

What is the best mortgage for a self-employed person

Getting a mortgage if you're self-employed isn't as easy, but that doesn't mean it's impossible

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Better yet, see us in person or on Zoom

If you need a self-employed mortgage, talk to us.

We love our customers, so contact us to ask for an initial telephone chat about your mortgage needs.  

We are independent mortgage brokers covering Mansfield & Sutton-in-Ashfield. So if you need a mortgage broker in Mansfield or a mortgage broker in Sutton-in-Ashfield, we're here to help.

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Shaw Financial Services

Mansfield Business Centre, Ashfield Avenue, Mansfield, NG18 2AE

Direct: 01623 375007 Email: lewis@shawfinancialservices.co.uk

Hours

Open today

09:00 am – 08:00 pm

Terms & Conditions

 Lewis Shaw (FCA registration number 927754) trading as Shaw Financial Services is an appointed representative of King Mortgages Ltd which is authorised & regulated by the Financial Conduct Authority, FCA registration number 803561.  

There may be a fee for arranging a mortgage. This will typically be £499. 

Think carefully about securing other debts against your home

Some forms of Buy To Let mortgages are not regulated by the Financial Conduct Authority. The guidance &/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers in the UK. As with all insurance policies, conditions & exclusions will apply.

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 

Office Address - Mansfield Business Centre, Ashfield Avenue, Mansfield, NG18 2AE 

  • Proportunity
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  • Blidworth
  • Bolsover
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  • Kirkby In Ashfield
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  • Mansfield Woodhouse
  • Nottingham
  • Rainworth
  • Ravenshead
  • Shirebrook
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