It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Our team of mortgage advisors in Halifax is dedicated to assisting you in securing a tailored mortgage deal designed for self employed individuals, perfectly aligned with your unique circumstances.
Throughout the entire mortgage process, our unwavering commitment is to provide comprehensive support and guidance. We aim to offer expert mortgage advice in Halifax, ensuring every effort is made to enhance the likelihood of successfully securing your mortgage.
With access to a diverse range of self employed mortgage products, our mortgage advisors in Advisors diligently search through 1000’s of mortgage deals to pinpoint the one that most suitable suits your specific needs. Once the most suitable deal is identified, we initiate the process of preparing your mortgage application, should you decide to proceed.
To better accommodate your busy schedule, we operate 7 days a week. Feel free to reach out at a time that is convenient for you. Avail yourself of our complimentary free mortgage appointment, available to all self employed applicants. Contact us today to start your mortgage application journey.
If you’re eager to explore mortgage options or consider potential future possibilities with a mortgage broker in Halifax, you can schedule your complimentary mortgage appointment online or reach out to us via phone.
Securing a mortgage poses distinctive challenges for self employed individuals in Halifax. Overcoming these challenges may involve addressing issues such as not meeting specific lender criteria or demonstrating sufficient income to cover monthly payment obligations.
Assessments for self-employed applicants are conducted on an individual basis. Lenders seek assurance regarding the financial capacity of self-employed individuals to manage their mortgages. Key factors taken into consideration include:
The criteria for self-employed mortgages in Halifax can vary among different lenders. As experts in providing mortgage advice in Halifax, we are devoted to ensuring that you are carefully matched with the most fitting mortgage deal tailored to your unique circumstances.
Being a dependable mortgage broker in Halifax, we are committed to serving our customers and addressing their individual situations. Your best interests are consistently prioritized in every aspect of our service.
The required number of years on the books can vary among lenders, typically seeking a stable and consistent income history. While some may accept applicants with just one year of accounts, others may prefer two to three years of financial records. It’s advisable to consult with a mortgage advisor to assess your specific situation and receive guidance on the requirements of different lenders.
Lenders typically evaluate your income by reviewing financial records such as tax returns and business accounts. For self employed individuals, they often consider the average income over a specific period, usually the past two to three years. The sustainability and reliability of your income are also factors they assess. A steady and sufficient income stream enhances your chances of qualifying for a mortgage.
Being a Director of a Limited Company doesn’t automatically disqualify you from obtaining a mortgage. Many lenders offer mortgages for self-employed individuals, including company directors. However, the assessment process may be more complex than for those with traditional employment. Lenders review your company’s accounts, your salary, dividends, and overall financial stability. Working with a mortgage advisor experienced in self employed mortgages can help you navigate the process and find lenders that best suit your circumstances.
Our Customers Love Us
4.97 Rating512 Reviews
Thomas
Second time using Leo at UK Moneyman - incredibly helpful again!! Thanks
1 day ago
Anonymous
We were looking to purchase our home that we currently rent and as first time buyers were unsure of the procedures. Jason Loft handled our application and he was extremely thorough and informative and put us at ease immediately, determined to get us...
2 days ago
Anonymous
Very helpful
3 days ago
Mrs Samantha
Money man service was very professional and efficient. We called for advise on a remotgae and got provided with a great service and a relly quick remotgae process. I would highly recommend.
4 days ago
Craig
The support throughout by Jason, Jo and Kerry was outstanding throughout our remortgage application. Highly recommended!
4 days ago
Susan
Excellent service.Consistant all the way through my business.Highly recommended.
1 week ago
Karl
Airways really helpful. Choose Moneyman because our previous mortgage advisor was not providing us with sufficient advice or guidance based on our situation. Moneyman made it a really smooth process!
1 week ago
John
Connor & Stacey were so helpful with our whole mortgage application from start to finish. Their attention to detail really helped us get the house we wanted in a timely manner. Would 100% recommend.
1 week ago
Liam
Would like to thank Wayne and Paula for their help in acquiring our first mortgage. The process was made so simple and straight forward by them both and they had it turned round super fast. Would highly recommend the company and also Wayne and Paula...
1 week ago
Nastaran
Fantastic service. always kept up to date with what I needed to do and know, staff are super polite and helpful and get back to you promptly. Thank you, for making my first mortgage manageable and smooth sailing!
2 weeks ago
Bryan
uk moneyman. have provided me with a stressfree friendly yet professional solution to my remortgage needs 10/10
2 weeks ago
Anonymous
Very understanding with a great knowledge of the market and all your options. Patient, helpful and friendly. I am so glad I chose to talk to UK Moneymen, made my life so much more comfortable.
3 weeks ago
Carol
Both Dan and Johnathon have been excellent. Explaining everything along the way . Been good support.
3 weeks ago
Anonymous
They were very good dealt with things easily and professionally.
3 weeks ago
Anonymous
We have used UK Moneyman twice now and both times our mortgage was secured with ease. Malcolm and his team were very efficient and helped me secure my mortgage despite being self-employed. I would recommend UK Moneyman to anyone
3 weeks ago
Dr Noe
Great service, I bought my first home and Malcolm and Paula helped me with all the steps including choosing the solicitor. I got the mortgage easily and it was a nice experience.
3 weeks ago
S.
excellent service
1 month ago
Anonymous
I felt very supported throughout the mortgage application process. I had regular updates which put me at ease and made one part of the move stress free.
1 month ago
Shannon
Matt has been great! Would recommend him to everyone. The whole process has been smooth and easy!
1 month ago
Kevin
Very knowledgeable, and always available to help and reassure you through the mortgage process.
1 month ago
During this appointment, your mortgage advisor in Halifax will look at your assessment to work out your maximum affordability and provide you with an agreement in principle.
Our team will look through 1000s of mortgage products to find the most suitable deal for your circumstances.
Once your purchase offer has been accepted, your mortgage advisor in Halifax will submit your full mortgage application and evidential documents to your lender.
Our service won’t just stop here. We will not only secure you the best mortgage deal, we will also recommend relevant insurance to protect you.
Speaking to a mortgage broker in Halifax, such as ourselves, can prove highly advantageous as we guide you through the entire process. Our expertise lies in handling intricate mortgage situations, and we invite you to reach out for a complimentary mortgage consultation. Let’s schedule a meeting with a knowledgeable mortgage advisor in Halifax today.
They use their expert knowledge to devise solutions for self-employed applicants in need of mortgage assistance. Drawing upon our profound understanding of the mortgage market, we aim to identify the most suitable mortgage tailored to your specific circumstances.
Customers are the heart of this company. Throughout our many years within the industry, our mortgage advisors in Halifax have successfully assisted limited company owners, sole traders, and partners receiving a salary, dividends, or a combination of both.
We take pride in delivering a tailored service to each customer, always prioritizing their best interests. Our commitment extends to being available late to address any mortgage queries you may have.
Understanding that each lender has unique criteria for self-employed applicants, our dedicated advisors, in collaboration with an expert mortgage broker in Halifax, work diligently to identify the most fitting lender for your individual circumstances.
Most lenders typically employ strict internal credit scoring policies for mortgage approvals, often necessitating a minimum of three years of steadily increasing profits, with some calculating a three-year average. These criteria involve assessing factors like past mortgage repayment records and repossession data to identify potential lending risks.
While this streamlined approach saves time and resources for lenders, it can pose challenges for self-employed applicants striving to meet their mortgage objectives. Historically, self-employed individuals faced a higher likelihood of arrears compared to their employed counterparts. Notably, employed applicants generally encountered fewer obstacles in meeting strict lender criteria.
Many self-employed individuals we’ve spoken to have faced direct rejection from their banks during mortgage applications. While obtaining a mortgage presents challenges for the self-employed, it shouldn’t be insurmountable. Here are reasons others may have been rejected:
Avoid independently approaching multiple lenders, especially if unfamiliar with their criteria. Such actions could harm your credit score, reducing your chances of securing a mortgage.
As mortgage brokers in Halifax, we’ve assisted numerous self-employed clients, providing transparent and candid mortgage advice.
Our mortgage advisors in Halifax are experienced in handling various self-employed scenarios, including:
Engaging a mortgage broker in Halifax can ease the stress. Our team sifts through multiple deals to find a suitable lender for your unique circumstances.
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Halifaxmoneyman.com & Halifaxmoneyman 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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Halifaxmoneyman.com & Halifaxmoneyman 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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