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Self-employed applicants can sometimes get the short straw when it comes to obtaining a mortgage, with lenders requiring you to provide more information than employed applicants.
With this in mind, it is essential that you take heed of self-employed mortgage advice from an experienced and knowledgeable company such as ours.
By speaking to a reputable mortgage advisor in Harrogate like Harrogatemoneyman, we will provide you with invaluable advice, no matter what sort of business owner you are.
If you are looking to buy a new property or remortgage soon, we are here to assist. Because we have spent many years working with self-employed clients from a variety of backgrounds, all looking for us to secure the best deal for them, we have vast in-depth knowledge of lenders self-employed criteria.
We work with all types of self-employed clients, all needing assistance with mortgages. Here are just a few of the scenarios that we are used to dealing with:
Traditionally, banks are not always very receptive when approached by their self-employed customers for mortgages. No matter how many years you have been banking with them or how much money you pay into your account on a regular basis, if their computerised lending criteria do not like your financial information, they will just say no.
We are used to dealing with complex mortgage situations. All you have to do is get and touch with us and we will do the rest.
Using a mortgage broker in Harrogate such as Harrogatemoneyman can save you a great deal of time, money and effort. From the first day that you make contact with us, we will work for you.
With in-depth knowledge of self-employed lending criteria, we will be sure to source you the best possible deal tailor-made to your circumstances.
We will be by your side from day one. You can rely on us from the first point of contact to the day when you collect the keys from the estate agent and walk through the front door of your new home.
As far as we are concerned, customer service is not something that is taken for granted. You will find our staff respectful, courteous, patient and attentive. If you don’t understand something or need to have something explained in more detail, just ask.
As your mortgage advisor in Harrogate, we are here to help you. Get in touch with us today and make a date for your free mortgage consultation.
4.93 Rating29 Reviews
David
Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...
Rebecca
As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...
Maria
Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the best deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us regularly...
John
Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.
Salvatore
Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.
Deanna
Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...
Charlie
Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...
Deanna
Leanne was so friendly and approachable. Extremely helpful.
Laura
Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!
Heather
Polite helpful reassuring conversation. Very helpful.
Richard
Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!
Gregory
First time buyer and the team at Harrogatemoneyman provided a 1st class service from start to finish. Excellent advice really quick service excellent product really cant fault them at all. I highly highly reccomend them just exceptional in everyway....
Alice
Very quick response from Hannah. Very helpful. Highly recommend
Dane
Great service, professional as well as friendly
Paula
Can I say what a great job they have done for us, answered every question when needed and kept me calm through the last few weeks! Great job done! Cannot thank them enough, Thank you Wayne, Jenna and Megan!!
Karl
Would just like to say what a fabulous job Wayne and his team have done for us over the past few weeks! Excellent service and great to be able to speak to someone whenever needed!!
elizabeth
Fab service from start to end. Got me a mortgage offer and it couldn’t have been any easier. Thanks so much!
Anonymous
Easy to deal with and solved most of the problems that came up quickly.
Adele
Excellent service from this company from beginning to end. Highly recommended. Kept in contact to give me updates by email and phone and my mortgage was agreed very quickly.
Deborah
Extremely efficient, good direction, on boarded all my requirements and got the job done seamlessly. Thank you
Your free mortgage consultation with a Mortgage Advisor in Harrogate will last for approximately 30 mins. They will then recommend a mortgage for you, one that you have no obligation for you to accept if you do not wish to. Proceeding with the mortgage is completely your choice.
As a part of our service as a fast and friendly Mortgage Broker in Harrogate, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you and your personal circumstances. A credit check will then required ahead of obtaining an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been taken out, a formal mortgage offer can then be issued to you.
To avoid being disappointed part way into your process if you don’t get the property you had eyes on, we recommend you obtain an Agreement in Principle ahead of schedule, before you begin viewing properties in Harrogate. At the very latest you should obtain one prior to making any offers to a vendor, as this can aid with your bargaining position.
An Agreement in Principle will generally have a shelf life of between 30 and 90 days, depending on the lender used. If your Agreement in Principle expires, get back in touch with your mortgage advisor and they can get this refreshed for you.
If you are looking to do something like debt consolidation or any potential home improvements, you may have the option of taking out a second mortgage in Harrogate. It may also be possible to take out a mortgage on a second property for other uses, such as for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit a customer will be required to have when purchasing a house in Harrogate with a mortgage lender, is typically 5%. This figure can be somewhat higher if you have had any previous credit problems.
If you have had any kind of credit problems previously, there is a chance you can still get a mortgage. Unfortunately for this, you may possibly be required to put down a higher deposit than usual, typically 15% of the property purchase price.
Once you have submitted at least one year’s accounts to the lender, you may then be able to obtain a mortgage on the property you wish to buy. Most lenders will use a combination of your salary plus dividend to calculate the maximum mortgage, whereas others may go off your net profit.
An employee will generally be required to submit at least three payslips for an employee to prove income and the latest 2 years’ accounts if they are Self Employed. You will also need to provide your mortgage lender with proof of ID, address and the last 3 months’ bank statements.
Our free mortgage consultation offered to all customers will typically last somewhere near 30 mins or so. The members of our dedicated mortgage advice team are able to turn round an agreement in principle within 24 hours, with a formal mortgage offer taking roughly about three weeks on average.
A telephone call where we can take some initial details and find out about your plan of action to get to know your Self Employed situation a bit better.
You can take some time out to browse potential properties in Harrogate.
Make an offer on the property in Harrogate that you have your eye on – we’ll finalise your figures and help you get your best deal as a Self Employed applicant.
Our Mortgage Advice in Harrogate and recommendations. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
