Read our 318 Reviews
As a Mortgage Broker in Halifax, we believe that Self Employed clients are often subject to receiving the short end of the stick when it comes to securing a mortgage deal and can sometimes lead to unfair treatment… We try to decrease this as much as possible and without the experience of a Mortgage Broker in Halifax on your side, like us, it may prove tricky if you’re applying for a mortgage as a Self Employed applicant!
We have lots of experience working with Self Employed clients and helping them secure a mortgage, so we are almost certain that we’ll be able to help you. With a minimum of 1-year accounts, it may be possible to secure a mortgage deal. Self Employed Mortgage Advice in Halifax.
We work with all types of Self Employed clients, all needing assistance with mortgages. Here are just a few of the scenarios that we are used to dealing with:
4.97 Rating318 Reviews
Rebecca
Very happy with the service provided. Always there to answer questions and help us understand the compexities of buying a property. I would highly recommend these to others
James
A shock sale announcement by my landlord led to a hasty quest to see if I could secure a mortgage. After a quick initial phone call a later appointment was booked in, this was on Saturday too! I was dealt with by Chris Thompson who was friendly,...
Natasha
Conor and the team kept me well informed and updated. Highly recommend
Lanka
Very efficient and helpful. Very prompt is responses as well.
Lee
Great connection - kept me informed every step of the way..highly recommended.
Anonymous
Excellent service from Jason and Meghan. Both went the extra mile to help me secure a mortgage offer. I had a particularly complicated application and it took multiple searches to finally get through. Both Meghan and Jason were incredibly...
Claire
Excellent service would highly recommend.
Mary
They have been amazingly supportive and knowledgeable. Found us the best deal and have helped us hugely. Thank you so much.
Armon
The best !! Chris and Stacey were very helpfull and understanding . They managed to secure us the mortgage offer from the bank in a very short period . Best service !! Thank you
Malcolm
Really knew their stuff and went through all the plusses and minuses in great detail so that we fully understood what we were taking on. Also very quick turnaround. Wouldn't hesitate to recommend. I wish I could find a fault, but I can't and that...
Anonymous
The team are very clear and informative giving us the help we needed as first time buyers. We had regular and prompt updates on the whole process and great communication from Tom and Meghan.
Alex
Uk money have again gone above and beyond. We have had a difficult mortgage application on an 2nd property this time and they have been there every step of the way! This is the 3rd time over the years they have been there for us! It’s a shame...
Rachel
I have used UK money man a couple of times now and I can’t recommend them enough! Brilliant service, quick responses and always keep you updated. They make something which is quite stressful much easier and relax and talk you through every step of...
Charles
They made it a very simple process. Can’t recommend highly enough.
Tom
Extremely efficient and have made the whole process a lot easier than I imagined.
Rebekka
The whole team have been great and supported us through a tricky application in a tough climate. Our personal handler Tom maintained comms with us throughout add was always willing to help and answer any questions we had. We would recommend using...
Paul
Extremely efficient and helpful.
Gill
I have nothing but praise for the help given by our financial advisor, Dan. He was incredibly knowledgeable and sensitive to our needs. He gave us a lot of different options and we are considering our next move and will be in touch when we are ready...
Anna
As first-time buyers, my partner and I can not thank UK Moneyman enough for all their help with buying our first house. Jason and Jo basically held our hands through the whole process, explained everything to us in simple terms and were completely...
Dean
Our advisor Dinah was incredibly helpful and refreshingly honest from start to finish. We've previously used a mortgage advisor who we'd been disappointed with. He was hard to contact and I often found myself chasing him. This couldn't have been...
Our free consultation will most likely last around 30 mins. A dedicated mortgage advisor in Halifax can turn round an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking about three weeks on average.
A dedicated mortgage advisor in Halifax will carry out a Fact Find to work out what your personal needs are prior to recommending the most suitable mortgage for you. In order to get an Agreement in Principle, you’ll be required to have a credit check. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be formally issued a mortgage offer.
Your free mortgage consultation in Halifax with an advisor will last for roughly around 30 mins. Once this has been undertaken, they will then recommend a mortgage for you. You’re under no obligation to accept this and have the freedom to walk away still, should you feel that’s the better option.
To avoid being disappointed down the line, we suggest that you obtain an Agreement in Principle prior to property viewings in Halifax. You should obtain one no later than the point before you start making an offer in order to assist your bargaining position.
An Agreement in Principle will most likely last between 30 and 90 days depending on who you take one out with. If your Agreement in Principle expires, come back to us and we’ll get this refreshed for you.
If you are looking at some future financial planning or home renovation like debt consolidation or Home Improvements, you may be eligible for a second mortgage. It can be possible to take out a mortgage on a second property for your own use, for a family member, for a holiday home or even for a Buy to Let.
The minimum deposit required for a home buyer purchasing a house in Halifax with a High Street Lender is generally 5%. If you have had credit problems in the past, this may be higher.
If you have had a recent history of credit problems a mortgage may still be within reach, though you may possibly be required to put down a higher deposit than usual. We find that this figure is commonly around 15% of the property purchase price.
Once you have submitted at least one year’s accounts to the mortgage lender, you are eligible to get a mortgage. Most Lenders will use a calculation of your salary plus your dividend to determine the maximum mortgage amount you can take out, whereas others may go off your net profit.
It will typically be the last three payslips for employees to prove their income to the lender and the latest 2 years’ accounts if you’re a Self-Employed applicant. You will also need to provide your mortgage lender with some proof of ID, address and 3 months’ bank statements.
A telephone call where we can take some initial details and find out about your plan of action to get to know your Self Employed situation a bit better.
You can take some time out to browse potential properties in Halifax.
Make an offer on the property in Halifax that you have your eye on – we’ll finalise your figures and help you get your best deal as a Self Employed applicant.
Our Mortgage Advice and recommendations. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
