At Mallard Mortgages, we bang the drum about this all the time — if you’re self-employed and looking to buy a house or remortgage, it’s absolutely vital to work with a self-employed mortgage specialist.
Why? Because too often, we see hardworking people declined by high street lenders simply because they don’t fit into a “traditional” employment box. The truth is, being self-employed shouldn’t mean missing out on your dream home. You just need the right guidance.
The Challenges of Self-Employed Mortgages
While lenders all have their own rules, self-employed applicants often find themselves facing extra hurdles. Common issues include:
- Inconsistent income: Your earnings might fluctuate from month to month or year to year.
- Complex accounts: Lenders sometimes struggle to understand the way sole traders, directors, or contractors take income.
- Short trading history: Many lenders prefer years of accounts, even if your business is strong and growing.
Without the right advice, these factors can make the process stressful — but that’s where we step in.
Why a Self-Employed Mortgage Specialist Makes All the Difference
At Mallard Mortgages, we know which lenders are best suited to support different types of self-employment, such as:
- Sole traders
- Company directors
- Partnerships
- CIS workers
- Umbrella companies
- Fixed-term contracts
- Day-rate contracts
We understand how each lender assesses income, and we can match you with the right option for your circumstances. That means saving you time, stress, and in many cases — helping you where others may have already said “no.”
Award-Winning Support You Can Trust
We’re proud to be an award-winning mortgage company, recognised for helping people across the UK secure the right mortgage. Our expertise in self-employed cases is second to none, and we’re passionate about making the process as smooth as possible.
So, if you’re self-employed and thinking of buying, remortgaging, or simply exploring your options, don’t let outdated lender rules hold you back. With the right advice, your mortgage journey can be straightforward and successful.
📧 Email: contact@mallardmortgages.co.uk
☎️ Call: 0114 3123550
🌐 Visit: mallardmortgages.co.uk
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