Unlocking Your Homeownership Dream as a Freelancer or Self-Employed Pro 🏡💼

Securing a mortgage as a freelancer or self-employed individual might seem daunting, but it's entirely achievable. Here's the lowdown:

No Separate "Self-Employed Mortgage":

• You have access to the same lenders and mortgages as those in traditional employment.
• Lenders tailor mortgages to meet your unique needs, hence the term "self-employed mortgage."

Understanding the Key Difference:

• Lenders assess you slightly differently due to the perceived risk.
• You'll need to provide income information and proof, a crucial aspect of the process. 💰📊

What to Prepare:

• Evidence of one-year trading.
• A record of regular or future contracted work.
• At least one year's accounts (submitted to HMRC as a SA302 – Self Assessment).

Navigating this process can be smoother with guidance from a specialist mortgage advisor who matches you to a lender based on your specific requirements, potentially saving you time and money. 💼🤝

Ready to embark on your homeownership journey as a freelancer or self-employed pro?