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Self Employed Mortgage Advice in Cardiff

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7 days a week, 8am - 10pm

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Self Employed Mortgage Advice in Cardiff

Speak to a mortgage expert today for tailored self employed mortgage advice in Cardiff.

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Advice for Self Employed Mortgages in Cardiff.

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.

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Self Employed Mortgage Advice in Cardiff

1000s of Self Employed Mortgage Products

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 best 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 mortgage appointment. We have specialist Self Employed mortgage advisors in Cardiff available 7 days a week to answer all of your questions.

How many years do you have to be self employed in Cardiff to be able to get a mortgage?

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.

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Self Employed Mortgages FAQ's

Do applicants of a self employed mortgage in Cardiff must pay higher rates?

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Self-employed mortgage applicants in Cardiff are eligible for the same mortgage rates as other employed applicants. The only difference is the way mortgage lenders evaluate their income.

What qualifies as being self employed in Cardiff?

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If you own at least 20-25% of a business, mortgage lenders in Cardiff will classify you as self-employed.

Why is it hard to get a self employed mortgage in Cardiff?

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Contrary to popular belief, there are no specific requirements or additional barriers preventing self-employed individuals from applying for a mortgage in Cardiff.

I'm self employed in Cardiff, how can a mortgage broker help?

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The challenging aspect of applying for a self-employed mortgage in Cardiff is providing accurate proof of income and demonstrating reliable and consistent income. Mortgage lenders will only consider taxable income.

Navigating the mortgage process can be complex, and working with a mortgage broker in Cardiff can be advantageous.

As a open and honest mortgage broker in Cardiff we have helped many self-employed individuals secure a mortgage in Cardiff, even when they thought it was unlikely. Let us help you get approved for a mortgage as a self-employed applicant in Cardiff.

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Our Simple 4-Step Process

Free 30-Minute Mortgage Appointment

Step 1

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.

We Can Search 1000s of Mortgage Deals

Step 2

Our team will look through 1000s of mortgage products to find the best 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.

Submit Your Mortgage Application

Step 3

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.

Protecting You and Your Mortgage

Step 4

Our service won't just stop here. We will not only secure you the best 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 best deal.

Reasons to Choose us

Free Mortgage Appointment

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Follow our ‘Book Online’ form and book yourself in for a free 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!

1000s of Deals

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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 best suited to your personal and financial situation.

Our Service

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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.

7 Days a Week

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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!

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

We Search 1000s of Self Employed Mortgages in Cardiff

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Common Self Employed Mortgage Scenarios

Matching a Self Employed applicant with a suitable mortgage in Cardiff

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Follow our ‘Book Online’ form and book yourself in for a free 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!

Having Mortgage Problems?

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If you are having these types of experiences, you may need a Mortgage Broker in Cardiff to help you:

  • Are you failing to meet lender criteria?
  • Are the banks not lending enough?
  • Do you have a poor payment structure?
  • Is your credit score poor or needs improving?
  • Do you have a fluctuating net profit?
  • Is a personal situation such as a divorce or separation impacting your application?

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!

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Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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