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Self Employed Mortgage Advice in Halifax

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Discover the possibilities of Self Employed Mortgages!


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.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 007

Popular Self Employed Scenarios

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:


  • Are you a sole trader, company director, contractor, partner or freelancer?
  • Have you 1 or 2 years trading history?
  • Complex multiple income streams i.e. salary + dividends?
  • Fluctuating net profit?
  • Has your status recently changes from a sole trader to ltd company?
  • Is your situation complex?
  • Have you been declined due to lending criteria or credit score?

Why you should a Mortgage Broker in Halifax?

  • Free no-obligation mortgage consultation for all customers.
  • We are very experienced with Self Employed applicants.
  • We pride ourselves on the level of customer service we offer, read our genuine customer reviews.
  • Our expert mortgage advisors are here 8am – 10pm to answer all of your mortgage queries. Getting through to a Mortgage Advisor in Halifax at Halifaxmoneyman will never be a problem.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.
  • We can offer top of the range mortgage advice service face to face, or over the telephone. It’s your choice.

What our customers say

Common mortgage

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

As your mortgage broker in Halifax, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

Your free mortgage consultation in Halifax will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Halifax. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Halifax with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.



We make it so easy!
Our 4 step process

Step 1

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.

Step 2

You can take some time out to browse potential properties in Halifax.

Step 3

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.

Step 4

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.

Handy quick links

Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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