So, you’ve struck out on your own in the world of self-employment and now you want to buy a house. But you’re worried about whether you meet the mortgage criteria because you’ve heard that lenders want 400 years of accounts before they’ll so much as take a phone call from you.
It’s true that most lenders want to have a degree of certainty before they lend – and that’s true for every applicant; but you won’t be the first person they’ve dealt with who doesn’t get a regular pay-check for the same amount every month. Many lenders are happy to work with self-employed people and have processes that are geared to lending against this type of income.
More importantly, we’ve been down this road with clients dozens of times before, we can often access products and rates that aren’t available on the High Street and we’ll be able to help you identify what you can realistically expect to achieve long before we even talk to prospective lenders about what might be possible.
We’ll start by asking you to provide some detailed personal and financial information about yourself and anyone who might be applying with you for a mortgage. Once we know more about you and what you’re hoping to achieve, we can talk through the options that are available.
After that, you can leave it to us to make the application on your behalf and get on with running your business and dealing with the important things in life.
If you’re ready to start your journey with us, so are we. Click here to contact a member of our friendly team and start to explore what the future has in store.
If you’d like to talk to us about the services we offer and how we can help you to achieve your goals.
Whether you’re buying for the first time, moving or remortgaging, we’ll find the mortgage product that best suits your needs.
What personal and health risks should you insure against? We'll help you decide.
How much cover do you need for your property, and possessions inside and outside the home.
Owning a young but rapidly expanding company, my husband and I were turned away by many mortgage brokers. However, Oportfolio went the extra mile (and then some) and acquired us a very manageable mortgage that allowed us to buy the family home we wanted.
I had the greatest pleasure in dealing with Oliver and his team on my recent mortgage application. My estate agent commented that mine was the fastest mortgage offer in all her time in the business! I would not hesitate to use his services in the future.
The team at Oportfolio Ltd were great to deal with, securing a very good rate for us and were on hand to support us throughout the process. We couldn't be happier with the result and wholeheartedly recommend their services.
The team at Oportfolio Ltd are highly intelligent, pragmatic and solution- focused advisors. Oportfolio Ltd provided continuous support with the purchase of my first home, deftly managing the complexities of the situation and the transaction.