[fullwidth background_color=”#fff” background_image=”http://theme-fusion.com/avada/wp-content/uploads/2013/05/page_bkgd4.jpg” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”center center” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#dadada” border_style=”solid” padding_top=”40px” padding_bottom=”40px” padding_left=”130px” padding_right=”550px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””]

Are you self employed or a contractor?

Getting a mortgage doesn’t have to be difficult, its easier than you think!

A common misconception if you are self employed or a contractor is that getting a mortgage is difficult, however this is untrue. You have just as much chance to borrow as anyone else.

You will have to prove your income and meet your lenders requirements, along with some of the other requirements listed below.

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Two years accounts

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Most lenders will require you to produce two years of accounts. Its always best to keep them up to date.

Deposit

Its normally easier to get a mortgage if you have a good level of equity from your existing property or a solid deposit to place.

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An accountant

Some lenders will state that your accounts must be prepared by a certified or chartered accountant.

Credit history

A credit check will be completed, so by having a good credit score will boost your chances of getting a mortgage.

Demonstate regular work

Your mortgage lender may want to see that you have a track record of regular and future work lined up.

SA302 Forms

A SA302 form from HMRC proves your total income and tax due. Your lender will want to see this alongside your accounts.

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Find out how much you can borrow

Let us help you take the struggle out of getting a mortgage.

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tony

March 23, 2022.

Working with Ben at BM has been great. We have worked with him twice now and always feel confident that everything is under control and being guided by someone who really knows the industry. Excellent service all round.

Jed

March 5, 2022.

Darren has gone above and beyond. I will recommend him to everyone who mentions they are buying or saving for a mortgage. We went through 6 brokers before coming to Darren, our situation wasn’t simple but Darren made it so, we haven’t even completed yet and I have to give alot of credit where it’s due, thankyou guys.

Gemma Dickson

January 23, 2022.

We would highly recommend Ben at Barratt Mortgages, this is the 3rd mortgage we have done with him now and will continue to use him. Having used different brokers in the past the difference working with Ben was huge. He is extremely knowledgable and the reason I like Ben is that he doesn't bring us problems like we've experienced with other brokers, he brings us solutions. He is a can do mortgage broker who gets things done

Karam Alani

December 23, 2021.

Beth was an absolute star from start to finish. Reliable, quick communication and always willing to help. I would have no hesitation in recommending her. Thanks for helping get us over the line. ?

Reepu Basnet

November 12, 2021.

5 star rating all way to all BM teams. I somehow stumbled into Barrett Mortgages, GLEN TOWARD with his extraordinary service eased in converting my residential into buy to let and get a new residential mortgage at the same time. What a journey, thank you once again. Have and will highly recommend and will be using their services in future.

bootha nathan

September 7, 2021.

My remortgage was done in no time. Easy to reach and fast response is much appreciated… thanks Ben for support.

Richard Butler

August 27, 2021.

We have used Barrett Mortgages on multiple occasions (Ben Jaques), and have always found them to be professional and easy to deal with. The advice has always been top notch and most of all they are truly trust worthy. I would recommend them without a 2nd thought.

David Ashton

August 11, 2021.

Sally was a superstar when securing the mortgage on a recent property purchase. Always friendly and personable, helpful in every regard! Thank you Sally! Would use again. Thanks Dave

Dávid Jernei

August 5, 2021.

I would highly recommend Beth to anyone who wants to have a mortgage. She was very helpful, knowledgeable and professional all the way. She supported me through the entire journey of getting my mortgage. She goes above and beyond when it comes to service and I would highly recommend her to anyone for future mortgages. I am a very happy home owner now. Thank you Beth.

Susan T

August 3, 2021.

I couldn't recommend Barrett highly enough. They are professional, prompt, knowledgeable and a pleasure to deal with. My circumstances were not 'standard' but Beth's knowledge was second to none and she made the whole process easy. Thanks to all at Barrett for a great service and for helping me get the best mortgage.

Getting a mortgage if you are self employed or a contractor

Are you self employed or a contractor?

Find out how much you can borrow

Save money with the right mortgage for you

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