Predictions for house price growth
Savills has published its latest five-year outlook for the UK housing market, including predictions for
5 January 2026
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Understanding self-employment structures for mortgage purposes is fundamental to presenting the case to the lender. Whether it’s a sole trader, limited company directors, limited liability partnership, CIS contractors or day rate contractor working under an umbrella corporation.
Appleton Mortgages specialise in understanding your self-employed and contractor circumstances and work with lenders to help them understand your structure and income.
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There are a number of reasons why it can sometimes seem challenging to get a mortgage as a Limited Company owner, the main concern from a lender is how sustainable your income / business earnings are likely to be.
It can often seem lenders look at self employed applicants harsher than maybe a permanently employed applicant. Getting a mortgage when self employed is possible, we’re here to tell your story and prove your income in the correct way.
We have a team on hand, waiting to help you. Enquire today about how we can help.
Our mortgage advisers work closely with you to save you time and give you the very best chance of a successful application.
During the application process, we’ll:
Once your mortgage has been offered, we’ll support you all the way through to completion.
We’ll work hard to build a lasting relationship with you, so you’ll always have someone you trust to help with any queries or requirements in the future.
Our approach focuses on understanding your unique circumstances and tailoring our advice to fit your specific needs.
With years of experience in the mortgage industry, we navigate the complexities of the market with ease.
Nothing is ever too complex for us! We thrive on finding solutions, whether you have a unique financial situation or specific requirements.
Lenders set their own criteria, therefore you may find your income is proven differently depending on the lender we’re applying to.
The most common way is to use salary + dividend drawings or salary + profits.
We have access to some lenders who can consider just 1 years accounts, although most will ask for at least 2.
The industry you work in and your professional experience can determine how many years accounts you’re asked for with some lenders.
It is possible to obtain a mortgage when your business earnings are less in the most recent year than previous years.
Each case is different and it will depend on why the income is lower, how much lower it is and whether this is likely to be the case in future years.
Lenders generally prefer borrowers with stable, predictable monthly salaries, as this makes it easier for them to assess your ability to afford mortgage repayments and streamline the approval process. In fact, borrowers with regular income often qualify for better rates because their financial situation is easier to evaluate.
However, we understand that fluctuating income is a normal part of running your own business, and it shouldn’t prevent you from securing a mortgage. As long as you’re able to provide additional documentation of your income, you can still move forward with the process.
It doesn’t have to be harder to get a mortgage as a self-employed individual, as long as you follow the right steps and time your application carefully. Without proper planning, however, the process could take longer than expected, potentially delaying your application for years. To ensure the best possible outcome and minimize delays, it’s important to submit your application at a time when your financial situation is in the strongest shape.
There’s lots of numbers involved and calculations to do when dealing with finances, explore our free-to-use calculators to keep things simple.
Calculate what a monthly mortgage payment might look like for you.
At Appleton Mortgages, we’re committed to guiding you every step of the way, making the process as seamless and enjoyable as possible.
Understand our 8 step process, from having your initial chat to receiving your keys.
Contact us via phone, email, or our website to schedule your initial consultation. During this conversation, we’ll discuss your goals, financial situation, and any specific requirements you may have. This helps us understand how we can best assist you.
In our in-depth consultation, we’ll dive deeper into your needs and preferences. We’ll gather essential information, such as your income, credit history, and desired property type. This allows us to assess your mortgage options and outline a personalised plan.
Once we have all the necessary information, we’ll conduct thorough research to find the most suitable mortgage products for you. We’ll present our recommendations, explaining the benefits and potential drawbacks of each option, so you can make an informed decision.
After you choose a mortgage option, we’ll help you prepare your application. This includes gathering all required documents and ensuring everything is in order. We’ll guide you through the paperwork and clarify any questions you may have.
We’ll submit your mortgage application to the lender on your behalf. Our team will stay in close contact with the lender to ensure everything moves smoothly and address any queries that may arise during the process.
As your application is processed, we’ll liaise with estate agents and solicitors to keep everyone in the loop. This allows you to focus on your day job while we handle the running around and ensure all parties are aligned.
Once your application is approved, you’ll receive a formal mortgage offer. We’ll review the offer with you to ensure you understand the terms and conditions, and we’ll help you navigate the acceptance process.
Finally, once all legal work is completed and the funds are in place, your mortgage will be finalised. We’ll be there to support you through the completion, ensuring everything goes smoothly and you’re ready to move into your new home!
Savills has published its latest five-year outlook for the UK housing market, including predictions for
A survey from LRG has revealed the three most influential factors when buying a property,
Data from the Bank of England shows that UK borrowers are currently favouring two-year fixed-rate
We offer face to face appointments in the areas where we have brokers. If you live outside of that area, we can still help you! We offer phone call and zoom appointments nationwide.
We may charge a fee for arranging your mortgage, depending on your circumstances. Our fees range from £0-£799. In many cases, no fees are charged. Any applicable fees will be agreed with you in advance.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
As with all Insurances policies, conditions and exclusions will apply.