Securing a mortgage whilst you are self employed is more difficult than an employed applicant, due to the way you normally pay yourself and due to the higher risk to the lender.

You are considered self-employed if you own more than 20-25% of a business from which you earn your main income.

Here's how you can pay yourself as self employed:

• Dividend income
• PAYE income
• CIS income
• Directors Loan
• Pension income
• Investment income
• Freelancer / Contractor income
• Benefit income

We will need to see evidence of this income. This typically comes from two or more years or certified accounts, evidence of upcoming contract and recent SA302 forms.

Why use us?

At Premier Mortgage Associates, we look at all your income, so that we can place you with the right lender. We do the complicated calculations, so you don't have too.

With the right broker helping you, it’s absolutely possible to get a self employed mortgage, even if you have limited accounts.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.