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Speak to an Advisor 7 days, 8am - 10pm
As a Self Employed applicant, unfortunately, it can be a little more difficult to get a mortgage. This is not down to the process; this is down to the number of documents that you have to supply as evidence of your income.
First of all, lenders will want to see at least one years’ accounts and bank statements of more than three months. More lenders are also beginning to factor in net profit to determine whether you are a suitable applicant or not.
A regular mortgage applicant will have their affordability and income assessed, however, a Self Employed applicant will also have their business assessed on top of this. We have been helping Self Employed applicants achieve their mortgage dreams for over 20 years now, and we want to help you next. As your mortgage broker in Cardiff, our job is to get you through the process and help you achieve a great Self Employed mortgage product for you and your personal circumstances.
We have a large number of lenders on panel that each hold Self Employed mortgage products. We will try our best to pick out the most suitable one for you.
Whether this is your first experience buying a home as a Self Employed applicant in Cardiff, or you’ve done this before and want to move home, we still think that our services will benefit you. Our aim is to try and save you time and money; we will be 100% transparent with you at all times.
All Self Employed applicants, no matter their situation, can benefit from a free initial mortgage appointment. We have specialist Self Employed mortgage advisors in Cardiff available 7 days a week to answer all of your questions.
Most lenders require self-employed individuals in Cardiff to have a minimum of two years of self-employment history to apply for a mortgage. However, some mortgage lenders may only require one year of history.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
19 5 Star Reviews
Adam
Very helpful throughout the process and on the phone, helpful during the buying process to understand what mortgage rates I would be likely to get and advice on what properties were less suitable than others for offers.
Daniela
Very helpful throughout the whole process. Useful advice and no nonsense. Worked quickly and I received regular updates and did not need to chase people up for things to get done. Very satisfied and will definitely use the service again if needed in...
Lewis
Wayne was absolutely fantastic, and a pillar of support before, during and after we obtained our mortgage offer. I would absolutely recommend Wayne and MoneyMan again!
Eilish
Great service
Adrian
Excellent service
John
Wayne was great throughout whole process of buying our first home, he gave us great confidence and simplified the whole process for us. Would defintiely recommend.
Jack
Matt, Jo and all those involved have been excellent it helping me and my partner navigate the mortgage process. Their guidance have been invaluable and without the support we would have really struggled. Would highly recommend.
Anonymous
Brilliant service. Quick response to any questions we had and explained everything clearly. Kept the process moving for us which was greatly appreciated. Thanks!!
Justine
As a first time buyer and someone who doesnt know much about the process, Malcolm and the team were very informative and helpful during the entire process. We were allowed to ask a list of questions about our blind-spots to do with taking on a...
Matthew
Can’t thank Cardiffmoneyman enough in helping me buy my first home. Leo my appointed advisor has been monumental in getting me the best deal and explaining the whole process and making it as easy as possible in what would be a stressful time. Also...
Discuss your situation and mortgage goals with a dedicated mortgage advisor in Cardiff.
During this appointment, your advisor will look at your tax year overview and tax calculations to work out your maximum affordability.
Our team will look through 1000s of mortgage products to find the most suitable deal for your circumstances.
We will then find you a mortgage agreement in principle to help you back up any offers you want to make.
Once your purchase offer has been accepted, your mortgage advisor in Cardiff will submit your full mortgage application and evidential documents to your lender.
Throughout the process, a dedicated case manager will keep you up to date until you receive your official mortgage offer and complete your purchase.
Our service won’t just stop here. We will not only secure you the most suitable mortgage deal, and we will also recommend relevant insurance to protect you.
We will also contact you about the date of renewal of your mortgage to make sure you are always on the most suitable deal.
Follow our ‘Book Online’ form and book yourself in for a free initial mortgage appointment; Self Employed Mortgage Advice in Cardiff is around the corner!
We have advisors in Cardiff that can take on your Self Employed mortgage case. We don’t just give you advice, we stand with you from start to finish to make use that you receive the best experience possible!
Lending criteria varies from lender to lender. This applies to every mortgage situation; some lenders will also tailor their products to certain types of buyers. Our job is to find the right product for your Self Employed mortgage situation so that you come out with a deal that is most suitable to your personal and financial situation.
It’s important that we offer a helping hand, we know how it feels to be in the middle of a complex mortgage case and not know what to do. We also deal with specialist mortgage scenarios and can give you Mortgage Advice in Cardiff that could help you with your situation or get over that hurdle.
Get in touch with our fantastic mortgage team in Cardiff and see how we can help. It takes less than one minute to fill out our contact form and book a mortgage appointment, try it for yourself!
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 19 Reviews
Cardiffmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Cardiffmoneyman 2009–2026
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Cardiffmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Cardiffmoneyman 2009–2026
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