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
4.98 Rating530 Reviews
Angela
I could not be more pleased with the service from Wayne. Needing a mortgage at my age (old) was a daunting thought. He put me at ease straight away. He guided me through and with the help of Jo Parnell. I have my mortgage and the chance once again...
1 day ago
Joanne
Everyone who worked with us was amazing and I highly recommend UK Moneyman. They helped us every step of the way. Thanks Matt and Debbie
2 days ago
Maria
Conor and the team at UK moneyman have been amazing. Very attentive always on hand to answer any queiries at anytime. Very professional throughout the process and we 100% will recommend them going forward. Thanks again guys.
2 days ago
Richard
Entering into the mortgage world at almost 50 years old was daunting! We needed quite a large amount which would also need to run into our retirement years…. I contacted Conor Longthorne at UK Moneyman and instantly felt at ease with the whole...
2 days ago
Dr Gurvinder
The service provided by Connor and the team has been great, they have taken the stress out of re-mortgaging for me.
2 days ago
Viniece
Dinah made the mortgage process smooth and stress-free. She’s knowledgeable, responsive, and truly cares about her clients. I’m grateful for her help and would recommend her to anyone.
4 days ago
Sharon
Dan Osman was absolutely brilliant.In fact everyone at Moneyman was brilliant. Thank you all. Sharon Phillips.
4 days ago
Hamza
excellent service
1 week ago
Dr Christopher
Extremely helpful and efficient. The staff involved made every step clear
1 week ago
Anonymous
Excellent advice, help and admin from the people at Moneyman, hightly recommended.
1 week ago
Anonymous
Moneyman service was fantastic start to finish very fast friendly service definitely recommend to others
1 week ago
Daryl
I recently took out a mortgage with UkMoneyMan, and I cannot speak highly enough about my experience, especially working with my advisor, Dinah Harros. From start to finish, Dinah went above and beyond to ensure that the process was smooth,...
1 week ago
Opeyemi
Working with UK Moneyman, specifically with Malcolm, was an excellent experience from start to finish. Malcolm and the team were incredibly helpful and patient throughout our unique mortgage process. Malcolm's extensive knowledge and expertise were...
1 week ago
Alison
Fantastic. Flexible meetings. Responsive. Explained everything and was super efficient. Very pleased with the service.
2 weeks ago
May
I am so grateful to malcolm and jo for assisting me start from beginning until securing my mortgage. They are always quick to respond and very professional. I recommend their service 100% ti anyone. Thank you very much
2 weeks ago
Mr Ryan
Chris was brilliant through the whole process. Nothing was too much trouble and there were a few obstacles to overcome to say the least. Once the case was passed over to Catherine she was equally as good and very efficient. I would highly recommend...
2 weeks ago
Anonymous
Very happy with the service that was provided was always there to help me along the way couldn’t be happier
2 weeks ago
Paul
Money man were very helpful and personal in their service to us in finding us a mortgage. Everyone we spoke to were polite and were very helpful.
2 weeks ago
Thomas
Second time using Leo at UK Moneyman - incredibly helpful again!! Thanks
4 weeks 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...
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.
Read our 530 Reviews
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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