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Manchester Mortgages Brokers for the Self Employed

At Search Mortgage Solutions, Manchester’s leading specialist self-employed mortgage broker, we have very many years of experience of how different lenders assess the applications of self-employed mortgage applicants. Finding the best self-employed mortgage available to suit your specific needs and circumstances is our particular speciality.

For people employed on a PAYE basis the applicant’s income is clearly defined and there is very little risk to the lender. On the other hand, when assessing the income of self-employed or limited company directors, the lenders are very thorough to ensure that their exposure to risk is minimised. The intensity and method of the assessment varies enormously between lenders so the mortgage broker has to have an extensive knowledge of the most receptive lenders, particularly if the financial information is only marginally good enough.

Lenders will generally consider you as self-employed if you own more than 20% to 25% of a business which provides your main income. If this applies to you, regardless of what you are earning, and you are self-employed, a freelancer, a contractor, a sole trader, or a partner, we are ready to help you proceed to a mortgage to suit your particular circumstances.

Search Mortgage Solutions Manchester

1st Floor, Canada House, Chepstow St, Manchester

5.0 27 reviews

Ed Pollard
a month ago
I have used David and his team at Search Mortgage Solutions on a number of occasions and every time, his availability, advice and knowledge have been absolutely invaluable in helping with our mortgages. This has included some tricky, urgent issues to help us secure the house we wanted. The only thing that will stop me using David is when he retires! Thank you David for all your help over the years.
Nick Ventolini
3 months ago
David regularly proposes the most convenient deal and solution in the best of your interest. Professional and trustworthy, highly recommended.
1st Wootton Beavers
5 months ago
David was really easy to deal with, I swear he works ever hour under the sun! great service and thank you for sorting out my minefield of a mortgage (well, it felt like that to me, but you made it simple!) Will be using you next time i buy a house for sure :)

Self Employed Mortgage Advice Manchester

The interest rates applicable to self-employed mortgages are not necessarily any higher than standard mortgage rates. Generally the rates offered by the lenders are much more likely to depend on the size of your deposit and your credit rating. However, if your financial details have difficulty in meeting the preferred criteria of the mainstream lenders, we would make an application to specialised lenders that particularly service self-employed borrowers. In this case you may find that rates of interest are a little higher but unfortunately this is unavoidable.

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