Self-employed and Contractors

Mortgages for Self Employed People are usually subject to different borrowing criteria

Guidance on Mortgages for Self Employed People and Contractors

Self-employed workers and business owners – be they limited company directors, sole traders or contractors – can all find it more difficult than their employed counterparts to get a mortgage themselves, as they must cope with different methods of assessment, different expectations from lenders, and more restrictive borrowing criteria.

At Bigmore Mortgages, we specialise in mortgages for self-employed and mortgages for contractors, and we can help you frame your business in the best light possible to support a loan.

mortgages for self-employed people

The variety in how mortgages for self-employed people are assessed means the mortgage process can be tricky to navigate without bespoke self-employed mortgage advice, that pairs the right borrower with the right lender to achieve the most favourable outcome.

Our Process

With our professional mortgage advisers you can expect the following:

We’ll have an initial discussion to discuss your requirements.

Review the market
Find the most suitable product and mortgage structure to suit your needs.

Report and Recommendations
Report our findings, including a full recommendation outlining our rationale. At this stage we’ll also confirm your borrowing capacity with Mortgage in Principle.

Full Submission
Submit an application, along with supporting evidence for the lender and see through to offer stage.

Working towards Completion
We will liaise with the lender and solicitor to ensure all requirements are in place and completion of the mortgage can take place without issue.

Ongoing Support
Provide support with future remortgages, purchases.

Bigmore Mortgages

Telephone: 01932 253939

Client Portal

Manage your mortgage online.
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Other Services

"Chris was amazing throughout the process.To be honest, there isn't anything they could have done quicker or better! A great service and can highly recommend."

Wendie Stone

We are here to help you

Request a quote and experience our top class support first hand.

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