self-employed mortgages

Mortgages for a self-employed person can seem daunting, and it can be a minefield for clients. It is imperative that the self-employed seek advice from the right brokerage whom can find the cheapest option available by fully understanding and immersing themselves into the business. Affinity’s expertise in this field sets us apart.

Self-employed mortgages

two ways to apply.

At Affinity, we recognise that different people take different approaches. If you prefer to dot your own ‘I’s and cross your own ‘T’s, feel free to proceed to Affinity Online. If you’d prefer to let us look after your mortgage application, there’s Affinity Connect.

why use affinity connect?

complete your own application with affinity online

Get your paperwork handy, your ducks in a row and your game face on, it’s time to apply…

let us guide you with affinity connect

If filling out forms is not your thing, give us your info, put your feet up and let us get to work…

self-employed mortgage application quick guide

Door knob
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document checklist
Make sure you can assemble all of the paperwork listed here.
choose a product
There are a number of different types of mortgage out there – pick the one that suits – we’re here to advise you if you need help.
look at affordability
Have a long hard look at your incomings and outgoings to calculate what you can save each month towards mortgage repayments.
agreement in principle
Once we have established the right product and lender for you and made an application, we will obtain an agreement in principle from the lender, meaning you can go house-shopping knowing exactly what you will be able to spend.
find a home
It’s house-hunting time. With your budget and location requirements established, it’s up to you to find your perfect pad.

most common faqs

How many years do you have to be self-employed to get a mortgage?

Many lenders currently ask for 3 years accounts to prove income in order to borrow on a mortgage, there are a few that consider mortgage applications for those self-employed less than 2 years, and there are even a small number of mortgage lenders accepting 1 years accounts.

Is it harder to get a mortgage if self-employed?

In theory, self-employed borrowers have access to exactly the same range of mortgage products as everyone else, so long as you are able to put down the necessary deposit and prove you can make the repayments on your loan. Nearly all lenders will take self-employed earnings into account if you can produce a SA302 form. 23 Apr 2013

How much can self-employed borrow mortgage?

How much can I borrow? As a general guide, whether you are employed or self-employed, you can normally borrow a maximum of the equivalent of 5 times your proven annual income – although some lenders may consider less, such as the equivalent of 4 or 4.5.

your question not answered here? view all faqs

affinity connect

Your teacher was wrong. You don’t have to apply yourself. If time is short, let us do what we’re good at. We’ll fill out all the forms without making any of those easy-to-make mistakes that can cause delays or even cause an application to be rejected.

affinity connect
complete flexibility

complete flexibility.

Nothing is set in stone, both in terms of how we approach finding the right deal for you – or the deal itself. If we can change anything up to make it more suitable to you, we’ll do it.

experienced, dynamic advisors.

When you contact us, it’s not an intelligent algorithm that’s replying to you – it’s an intelligent human. We’ll be up close and personal throughout your process.

experienced, dynamic advisors
Happy clients

happy clients make us happy.

Setting our clients on their way with the ideal financial product is what gives us the warm fuzzy feeling of a job well done. And our clients seem to appreciate it too.

have a question?

If there’s anything you’re unsure about, or if you just want to get the ball rolling, please email us – or give us a call if you want to have a word with a friendly human.

Contact us