Self Employed Mortgage Advice Nottingham

Self Employed Mortgage Advice in Nottingham

Are you looking for self employed mortgage advice in Nottingham? Here are some helpful tips for those looking to get a mortgage for the first time, or a self employed remortgage.

It’s a common thought that people who are self employed may have more trouble getting a mortgage than those who are employed. This is not always the case though!

What you’ll need for self employed mortgage advice

Lenders like to see proof of a steady income before they decide to approve a mortgage, so you will need proof of income, usually for the last two-three years.

When you apply for a mortgage, or talk to a mortgage broker, you’ll need the following documents:

  • Photo ID
  • Address ID – Such as a utility bill or bank statement
  • Proof of deposit
  • 2-3 years SA302 and tax year overviews

Improve your mortgage application chances

There are obviously other factors you must take into account when applying for a mortgage, whether you’re self employed or not. You’ll need to declare if you have any outstanding credit card balances or debts and usually will need to list your monthly expenditure. Ensure your spending is in order and try to boost your credit rating when you can.

If you are a tenant renting a property through Walton & Allen Letting Agents Nottingham, you can apply for your rental payments to affect your Experian credit rating. If  you pay on time and in full every month, your credit rating could go up.

You can check your credit rating for free using Experian or ClearScore, amongst others.

Talk to a mortgage broker

Ready to find out how much you can borrow if you’re self employed? You can talk to our mortgage broker either by calling 0115 9243304, or by using the form below.

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A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Think carefully before securing other debts against your home.