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Self-Employed Mortgage Advice in Birmingham

Free Self-Employed mortgage consultation

0121 595 0187

Getting a Mortgage being Self-Employed

Sometimes you can find yourself being surprised with the whole home buying process. It can often cause confusion and stress for an applicant, especially if you are Self-Employed in Birmingham. If you’re a Self-Employed applicant, it is often considered harder to obtain a mortgage, as opposed to what the process is like for an employed applicant.


This is due to the scoring process of mortgage lenders. You do not need to worry, however, as your Mortgage Broker in Birmingham will be there to support you through the entire process. They’ll talk you through what happens and always be at the other end of the phone when you need help or guidance.


Often, when buying a home, things might not always go the way you would like it to. This is why having a Self-Employed Mortgage Advisor in Birmingham on your side will prove incredibly useful. If you work for yourself, our Mortgage Advisors in Birmingham will help you organise all the paperwork that you may need and we’ll find the right lender and criteria for your needs and circumstances.



How does it work?Get a quote nowMeet your advisor

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

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Popular Self-Employed Scenarios:

  • Limited Company owners or Sole Trader mortgages
  • Income structure – i.e. dividend, salary, mixed-income, retained profit, directors loan
  • Fluctuating net profit
  • A change in your personal situation
  • Contractor or Freelancer Mortgage Advice
  • Has your bank refused you a Mortgage? i.e. poor credit, the bank won’t lend enough, lending criteria, auto-decline etc.
  • Have you got a strange or complex Mortgage situation and are wanting help?

Why you should use a Mortgage Broker in Birmingham?

As a mortgage broker in Birmingham, we take great pride in providing all our customers with the same high level of customer service. We have absolutely no ties to any Banks, Building Societies or Estate Agents.


Here at Birminghammoneyman, we will only ever have your best interests at heart! Our trusted and experienced mortgage advice team in Birmingham will do their best to reduce your stress as much as we can, keeping the process clear and simple, and avoiding any confusing industry jargon that would otherwise make the process harder to follow.


If you would like someone to speak with the Estate Agent on your behalf, to help you make an offer, this is something that our team of mortgage advisors are able to provide assistance with. We also have the ability to look at sourcing conveyancing and solicitors’ quotes for you as well. As a hard-working and loyal mortgage broker in Birmingham, it is our job to help you through every step of your mortgage journey.


Get in touch with a mortgage broker in Birmingham to book your free initial mortgage consultation.

What our customers say

Common mortgage

Your free mortgage consultation in Birmingham will last approximately 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 go ahead.

As your Mortgage Broker in Birmingham, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

Our Mortgage Advisors in Birmingham recommend that you try and get your Agreement in Principle before you take up the decision of starting to view properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position with the seller.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender. If your Agreement in Principle expires it can always be refreshed. If you need help obtaining one, our Mortgage Advisors in Birmingham can usually get one sorted for you within 24 hours of your application.

It can be possible to get a second mortgage on your home in Birmingham for debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

To purchase a house in Birmingham, the minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.

If you have had credit problems you may still be able to get a mortgage but you will likely need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage in Birmingham once you have submitted at least one year’s accounts. Most lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

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

Our free consultation in Birmingham typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average. Before you know it, you will be moving into your new property in Birmingham!

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 Birmingham.

Step 3

Make an offer on the property in Birmingham 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.

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Birminghammoneyman.com & Birminghammoneyman 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.

© 2021 Birminghammoneyman

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