Whole-of-market mortgage advice
Self-Employed Mortgages in Sleaford & Lincolnshire
Being your own boss should not make a mortgage harder, but high street lenders do not always see it that way. We know which lenders treat self-employed income fairly and exactly what they need, so your books are rarely the barrier they feel like.
5.0★ · 701 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
I am a self-employed contractor and was struggling to get a mortgage sorted for my circumstances. They gave me good advice and sorted it out face to face.
Being self-employed should be something to be proud of, not a reason to be turned away. The trouble is that high street lenders often apply rigid rules that do not reflect how business owners really earn. We know which lenders take a fairer view, and exactly how to present your income so it is understood.
Turned down elsewhere? You are in the right place
A decline from your bank usually means you applied to the wrong lender for your income, not that you cannot get a mortgage. Sole trader, company director or day-rate contractor, we go straight to the lenders who read your accounts the right way and avoid wasting an application on one that will not.
Clear on the paperwork from day one
We tell you exactly what is needed, whether that is two years of accounts, one year, SA302 tax calculations or business bank statements, so the application goes in clean. No last-minute scrambles, no jargon, just a clear list and a plan.
Is this you?
We help self-employed buyers like…
- Sole traders and freelancers
- Limited company directors taking salary and dividends
- Day-rate contractors
- Recently self-employed with one year of accounts
- Partners in a business or partnership
Why a broker
Why self-employed buyers use a mortgage adviser
One lender's view of self-employed income can be very different from the next, and your own bank only shows you theirs. We compare the whole market and go to the lenders who treat your accounts fairly, so being self-employed stops being a barrier.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help self-employed buyers, step by step
-
A real look at your income
We start by understanding how you are paid, salary, dividends, retained profit or day rate, so we know which lenders will read your income the right way.
-
Match you to the right lender
Lenders treat self-employed income very differently. We go straight to the ones who suit your set-up rather than wasting an application on one that does not.
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Get your paperwork right
We tell you exactly which accounts, tax calculations and statements are needed, so the application goes in clean and avoids delays.
-
We handle the application
We present your income clearly to the lender, deal with their questions and chase it through to offer.
-
Approved and moving
We see it through to completion and are here again whenever your next move or renewal comes around.
Local to you
Advising on self-employed mortgages across Sleaford & Lincolnshire
We are based on Carre Street in Sleaford and help self-employed buyers right across Lincolnshire, from Lincoln and North Hykeham to Grantham, Newark and beyond. Evenings and remote appointments make it easy to fit around running your business.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Self-Employed Mortgages: your questions answered
How long do you have to be self-employed to get a mortgage?
Usually at least one to two years of accounts or tax returns, though some lenders consider one year. We know which lenders suit your trading history.
How much can I borrow if I am self-employed?
Lenders base it on your accounts, tax calculations or retained profit, typically around 4.5 times, but they differ a lot in how they assess it. We match you to one that judges your income fairly.
How do I get a mortgage if I am self-employed?
With your accounts or SA302 tax calculations and a few months of business bank statements. As former bank managers we package your case so lenders understand how you are paid.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
