Sole Trader Mortgages

We’ll match you to the perfect broker to help secure the best mortgage deal for you – fast, easy and free.
60 SECOND MORTGAGE QUALIFIER 
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All of our partner advisers have access to the whole market so that you get the best deal available.
Mortgages made easy. We’ll match you to the perfect broker to help secure the best mortgage deal for you – fast, easy and free. Try our 60 Second Mortgage Qualifier.

Mortgage Qualifier

1 minute. That’s all it takes to find out if you are likely to be accepted for a mortgage and it won’t impact your credit score. It really is that easy.
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Mortgage Advisor introduction

We will match you to a Mortgage Advisor who will understand your circumstances and help secure the best mortgage for you.

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Completely free

Our Mortgage Advisor introduction and matching service is 100% free. We don’t charge a fee, your broker may charge once successful.
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60 SECOND MORTGAGE QUALIFIER 

How to get a mortgage as a Sole Trader?

The Reality

Sole traders can often fall foul when applying for a mortgage, as their income can be irregular. High street lenders primarily use affordability criteria that is not conducive to granting mortgages to people who work for themselves. When you work for yourself, erratic paying customers are an occupational hazard, but that doesn’t mean that you should have to miss out on your ambitions of becoming a homeowner.

A holistic view

Sole traders can often fall foul when applying for a mortgage, as their income can be irregular. High street lenders primarily use affordability criteria that is not conducive to granting mortgages to people who work for themselves. When you work for yourself, erratic paying customers are an occupational hazard, but that doesn’t mean that you should have to miss out on your ambitions of becoming a homeowner.

Bad credit

The aforementioned brokers also consider sole trader applicants who have had credit issues in the past, whether it be bankruptcy, an Individual Voluntary Arrangement (IVA) or even a Debt Management Plan (DMP). This also applies to self employed contractors, shareholders in limited companies, those in partnerships, Directors or even those in Limited Liability Partnership (LLP) arrangements.

Our relationship with the kind of brokers that understand that people should be judged on circumstances and not a credit profile, means that we are well placed to help you. If it’s affordable to you and you can prove it, there’s every chance that they’ll be able to find you something..

So don’t assume that you aren’t going to succeed until you’ve had a chat with one of our recommended brokers. They’re ready, waiting and eager to help.

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Niche Mortgage Info is a guidance website and introducer and is not regulated by the FCA. All of the advisers we partner with work only for firms who are authorised and regulated by the FCA and specialise in a number of different fields. They will offer any advice specific to you and your needs. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice.

By making an enquiry you accept that your information will be passed to one of the specialists.
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