01
A clear picture of your business
Trading history, variable profits and money reinvested in a business can affect how a lender views your income. We take time to understand that picture rather than assuming every application fits the same pattern.
Mortgage
Self-employed mortgages · North London
Self-employed mortgage advice.
Self-employment should be explained properly when you apply for a mortgage. We help business owners and self-employed buyers present their circumstances clearly and understand which lenders may consider them.
Your home may be repossessed if you do not keep up repayments on your mortgage.
02
Prepare the right evidence
The documents needed depend on your business structure and the lender. We explain what is requested and help you organise the income, accounts and commitment information relevant to your application.
03
Advice for buying or reviewing
You may be purchasing your first home, moving or remortgaging. Our role is to research the mortgage options for your circumstances and deal with the lender on your behalf. Acceptance remains subject to the lender's assessment.
Useful for our first conversation
- How your business is structured
- Available accounts and income evidence
- Deposit or equity and property plans
- Personal and business commitments
A brief outline is enough for your initial enquiry. Please do not send identity documents or sensitive medical information through the contact form.
Your questions
Can I apply if my income changes from year to year?
Variable income does not automatically rule out a mortgage. Lenders assess it differently, so we need to understand your trading history and circumstances.
Do all lenders require the same documents?
No. Requirements vary by lender and business structure. We can explain the evidence needed for the options being considered.
Read more before you decide
Talk through your next step.
Contact the Winwell team in Winchmore Hill.