Self-Employed Mortgage

Tailored Mortgage Solutions for Self-Employed Professionals

At Thomas Bradley Mortgage & Protection Specialists, we have the knowledge and expertise to help self-employed professionals secure mortgages that align with their financial situations.

We expect and will be comfortable in explaining your income in a way that others might not understand, and understand how to present it to a bank to ensure you can borrow the amount you need.

So don’t worry if you have retained profits, have made large pension contributions, or have complex or multiple income structures, our dedicated team is committed to finding the best possible mortgage solutions for you.

Let us handle the complexities in getting you a mortgage, so you can focus on achieving your homeownership dreams.

Welcome to Thomas Bradley Mortgage & Protection Specialists, your dedicated partner in securing mortgages for self-employed professionals. We understand that every self-employed individual’s income may vary, and that’s why we are committed to helping you regardless of how your income is structured. Whether you’re a sole trader, part of a partnership, or a director/shareholder of a limited company, our expertise extends to approaching lenders who understand the complexities of your financial situation.

1. Embracing Diverse Income Structures:

We pride ourselves on our ability to work with self-employed individuals whose income is made up in diverse ways. If you have retained profits in your business that you haven’t drawn as income, we can approach lenders who consider this and use this to help you achieve a higher mortgage amount.

2. Maximising Mortgage Eligibility:

We understand your accountant and how they work to ensure you don’t pay more tax than you should, we talk with accountants every day on making sure we can truly understand your income and can engage with lenders who are willing to add back pension contributions, or extraordinary expenditure for new equipment to your income. By doing so, we can help you secure the largest possible mortgage, taking into account your total financial standing and potential.

3. Navigating Complex Financial Scenarios:

With extensive experience in the mortgage market, we excel at navigating the complexities that self-employed professionals face. Whether you have variable or multiple income streams, irregular or seasonal earnings, we’ll find solutions that cater to your unique circumstances.

4. Building Strong Applications:

Our team of expert mortgage advisors will collaborate with you and your accountant to build robust mortgage applications. We understand the importance of presenting your financials in the best possible light to lenders, giving you the highest chance of mortgage approval and also getting you the mortgage, and the home you deserve.

5. Access to Exclusive Lender Networks:

As established mortgage brokers, we have forged strong relationships with an extensive network of lenders and benefit by having dedicated points of contact at lenders up and down the country. By using mortgage clubs and networks to give us buying power we can offer exclusive deals tailored to self-employed individuals, ensuring you get competitive rates and terms that match your needs.

Contact us today for a no-obligation consultation, and let’s work together to turn your homeownership aspirations into reality!

2 years ago I approached Tom and his team a little under a month ago, when my husband and I were just starting to consider getting the house-buying ball rolling. We never expected things to move quite this quickly, but we had an offer on a house accepted just a couple of days ago, and this morning, our mortgage offer landed in my inbox already! I can't thank Tom enough for his exemplary efficiency, professionalism and support. He expertly guided us through the convoluted mortgage application process and the deluge of paperwork involved, answering every question immediately and competently. And he's a thoroughly pleasant person to work with. 100% recommended!

Ginal has been such a huge help to us through our journey. We unfortunately had a sale fall through and we were very concerned about the constant increase in rates. Miraculously she managed to get the rate transferred over to our new property, even though the original offer / rate was over four months old! Ginal has always been there to answer all of our questions and concerns whenever they have popped up. Me and my partner will definitely use Ginal whenever we need mortgage assistance in the future

Tom & Ginal helped me obtain my mortgage offer which was not a typical situation. They asked many relevant and pertinant questions which made sure we were able to get our mortage - one which I did not believe I could get myself. They are both professional and responsive, I would recommend their servcies to anyone that wants to make the process as easy as possible.

Tom and Ami have been fantastic all the way through the process. Very much on the ball in making sure our mortgage process was smooth and efficient.

Tom did our mortgage for us, which I was very nervous about as I am self employed with only 1 years books, but not only did he get us exactly what we wanted to borrow he got us a fantastic rate on it to. If you are newly self employed & looking for a mortgage I can highly recommend Tom & his team.