Looking for a mortgage broker? We are a professional finance broker and we can help you find a mortgage that best suits your financial circumstances. We can advise you on buying your first home, remortgaging your home, buying a home to let out and many more! We are the best people to come to when you need individual and specialist help. Large corporate companies sometimes use high-pressure sales tactics and people are getting fed up with it. We promise at Barrett Mortgages that we won’t put you under any pressure to complete a sale. We were founded by Darren Barrett in 2009, during some of the hardest market conditions the industry has seen. The unparalleled, clear, trustworthy, honest and upfront service offered by Barrett Mortgages has meant our business has thrived during these times.
All of our staff are fully qualified, experienced and chosen based on their keenness to provide the best possible experience for our customer. We have built a strong reputation which is important to us as we rely heavily on referrals from clients. If you are self-employed we can help you to find out how much you can borrow and what you need to do to have the best chance at getting a mortgage. We talk to a lot of self-employed people and it is very surprising the number of people that don’t think they can get a good mortgage. Lenders know too well about the situation that self-employed people are in; They have a straightforward process in place to work out how much they would be prepared to lend.
Whether you are a sole trader, a partner or a company director, there is a process in which you can obtain a mortgage. Lenders will vary the time that it is expected to provide evidence of income for. Most will look at the income received over the last two or three tax years and either average it out or take the most recent year as a basis for calculation. However, if you have a good profile, some lenders will make it possible to get a loan with just one year’s set of accounts. Many self-employed people who work on a freelance basis often have income from various different sources. freelance musicians, for instance, will be paid on a self-employed basis for much of their work but some of their teaching work will be on a PAYE basis with their income being taxed at source.
If you are in need of our advice or services please get in contact with us and we will be in contact with you soon. If you are interested in what our clients think about our services go and have a look at our reviews page. Or take a look at Google reviews for more!