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About The Mortgage

Self Employed Mortgages! 

Let’s Find The Right Mortgage For You

With 4.8 million self-employed workers in the UK, now, more than ever, workers are choosing to shun the constraints of a 9 to 5 job and instead, seek the freedom of running their own business.

Whilst there are many benefits to being self-employed, some people are still concerned about what this could mean for getting a mortgage.

Amber Mortgage have a team of dedicated self-employed mortgage brokers who can help you find the best mortgage with no hassle.

What are Self Employed mortgages?

Technically, a self-employed mortgage is no different from a standard mortgage. The main difference is in how the mortgage providers asses the self-employed individual applying.

From the perspective of the mortgage provider self-employed individuals are seen as riskier borrowers and historically providers have been less likely to lend to them. This is primarily because conventional employees are seen to have a steady monthly income, whereas, self-employed income can potential be more unstable and less consistent.

That being said, there are now more lenders who are willing to loan to Self Employed applicants. You may now even be considered with 1 year of trading accounts.

What will I need to apply?

If you are looking to apply for a self employed mortgage, there are a number of documents you may be asked to provide, including: – 


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  • 1-year of accounts at a minimum (average is 2 years)
  • A minimum of 5% deposit
  • Accounts verified by an accountant
  • SA302s and tax forms

Amber Mortgage Solutions can help guide you through this process, so get in touch today and find the best mortgage for you. Call us today on 01702 619221 to discuss.

How We Work

Helping to tick all the right boxes for your new Self Employed Mortgage

  • To start with please either call us or complete the above application form.
  • One of our Self Emplyed mortgage consultants will be in touch with you to discuss your application.
  • After we have your details, we will search the market for the best schemes to suit you.
  • We will then talk you through the details of your mortgage.
  • 100% Secure, Confidential and hassle free.

We’ll concentrate on helping you compare Self Employed mortgage rates with the following in mind:

  • Fixed, tracker, discount and variable rate mortgages
  • Repayment and interest only mortgages
  • Free survey and cash back deals
  • Early repayment charges

How to get a Self Employed Mortgage with Bad Credit? 

Mortgages can be daunting at the best of times, and borrowers with limited experience may not be sure how to get a mortgage with bad credit which is also known as an Adverse Credit Mortgage. When looking online mortgage searches often return results for grade A credit scores and showing mortgages that you won’t probably qualify for.

Self Employed mortgages can be arranged for people with poor credit in the following situations:

Still unsure whether you will have any issues moving home then contact us today for peace of mind. One of our Self Employed brokers will be happy to answer any questions you may have.

How to Access Your Credit Report

Frequently Asked Questions

Self Employed Bad Credit Mortgage Solutions

Can I get a Self Employed Mortgage with adverse or bad credit?

Worried about how your credit score may impact you chances of getting a Self Employed Mortgage?

We understand that a history of Bad Credit can make finding a lender willing to provide a mortgage tricky.

However at Amber Mortgage Solutions we consider everyone. So regardless of your Bad Credit score, our specialist mortgage advisors can help you to find the best deals on the market and access an affordable Bad Credit Home Movers Mortgage to suit your personal circumstances.

We have created the below frequently asked questions to answer those tricky questions.

For more information on securing a mortgage with bad credit.

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01702 619 221

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Mortgage Quick Find

Quick FAQs

Take a look at our extensive FAQ section

For the answers to some of our most commonly asked questions, below.

 

Can I get a mortgage with bad credit?

Yes. Whilst getting a mortgage with bad credit can be difficult, it’s a common situation many applicants find themselves in. So whilst a bad credit history can make things tricky, there are steps we can help you take to start repairing your credit rating and get you back on track to finding the right mortgage for you.

Can I get a mortgage with a bad credit score?

Even with a bad credit score, it is still very possible for you to get a mortgage. There are varying degrees of what is considered to be a ‘poor credit’ score and one black mark on your credit file may not have as significant an impact on your mortgage application as you believe.

What is the difference between ‘adverse’ and ‘bad’ credit?

You may have been told that your credit rating is ‘bad’ or it might have been described to you as ‘adverse’. Essentially, in the context of getting a mortgage, both words mean the same thing and we are able to help you with both.

How do I know if I have a bad credit rating?

There is very little difference between the two, especially as different lenders will look at very different criteria when assessing a mortgage. However, if you know you have any recent defaults, IVAs, are on a debt management plan or have CCJs, you may want to seek the help of specialist advisors, like Amber Mortgage Solutions, who will be able to advise on the best mortgage for you.

How do I find the best mortgage deal for me?

When looking for an affordable bad credit mortgage, there are still many options out there, they may just be that little bit harder to find. Whilst a few high street lenders may consider applicants with minor or historical credit issues, the majority will probably refuse an application with a bad credit history. However, there are still many independent lenders out there who will be able to offer you a suitable deal – you just need the right help to find them.

Will it cost more?

This really is dependent on the perceived potential risk you represent to lenders. Whilst there are some credit events considered more serious than others, such as CCJs or bankruptcy, there are still ways you can remedy your credit score to lower the costs to yourself. For example, if you have a CCJ from several years ago on your credit report, but you have since made all of your credit repayments on time and used them responsibly, whilst a high street lender may still refuse your application, this would look more favourable to an independent lender who can offer you the right deal.

Where do I start?

Contact us today! Our friendly advisors will be happy to talk you through the next steps available to you and help you on your way to obtaining the mortgage you need. We’re here to help you, not judge you, so call us on 01702 619 221.

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