Self Employed

Can You Have More Than One Mortgage? Can you have more than one mortgage? Many homeowners reach a stage in life where buying a second property becomes a realistic option, whether as an additional home, an investment, or a way to release equity. In these situations,...

Capital Gains Tax and How It Works Explained Capital Gains Tax is one of the most overlooked parts of property ownership, yet it can have a significant impact on your profit when selling a home, rental property, or investment. Capital gains taxes apply to a wide range...

Stamp Duty Explained Stamp duty explained when preparing to buy a property, most people think about deposits, mortgage rates and the search for the right home. One cost that regularly takes buyers by surprise is Stamp Duty Land Tax (SDLT). As a mortgage broker, I see...

The Latest Remortgage Deals: What Homeowners Need to Know in Today’s Market Remortgaging has become one of the most effective ways for homeowners to reduce monthly payments, protect themselves from rising rates and unlock additional financial flexibility. At Option...

Remortgaging When Self Employed: A Complete Guide 2025 Remortgaging when self-employed can feel more complicated than it should be. An important difference between remortgaging as a self-employed person and as an employed person is the extra documentation and...

Self Employed Mortgage With No Accounts: All You Need To Know Self-employed mortgage with no accounts can feel challenging, especially if you don’t have full accounts yet. Whether you’re newly self-employed, recently set up a limited company, or still waiting for your...

Introduction to Self-Employed Mortgages Being self-employed can make getting a mortgage feel more complex and if you also have a poor credit history, it can seem even more daunting. High street banks are less likely to approve mortgage applications from self-employed...

Securing the Right Deal: Mortgages for the Self Employed with Complex Income If you’re self-employed with multiple income streams, dividends, company profits, or irregular earnings, you may find that standard mortgage criteria don’t reflect your true financial...

Introduction Mortgages for limited company directors can be more challenging than for those in traditional employment but it doesn’t have to be. Despite earning well and running a successful business, directors often face extra scrutiny from lenders. Different company...

Temporary Contractor Mortgages Temporary contractor mortgages while working can seem daunting, but it’s more achievable than many people think. Individuals on temporary contracts often referred to as a temporary worker may face unique challenges when seeking a...

Contractor Mortgages With the rise of freelancing and flexible working, contractor mortgages have become increasingly common. Many lenders now offer specific products for contractors, whether you’re working through a limited company, an umbrella company, or on a...

Construction Industry Scheme Mortgages For self-employed construction workers, getting a mortgage can feel more complicated than it needs to be. If you’re paid under the Construction Industry Scheme (CIS), you might worry that lenders will struggle to assess your...