Mortgage Declined Because Latest SA302 Was Provisional Mortgage declined because latest SA302 was provisional is a situation many self-employed applicants...
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Self-Employed Mortgage Guides
Our self-employed guides break down how lenders assess income for sole traders, limited company directors, freelancers, contractors, and mixed-income applicants. You’ll find explanations on what documents you need, how trading history affects options, and how lenders treat retained profit, salary, dividends, and complex income patterns. Perfect for anyone whose earnings aren’t straightforward.
Mortgage Declined Due to Gaps Between Contracts: Why Lenders Say No
Mortgage Declined Due to Gaps Between Contracts Mortgage declined due to gaps between contracts is a common issue for contractors,...
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Mortgage Declined Because CIS Income Fluctuates: How Lenders Assess It
Mortgage Declined Because CIS Income Fluctuates Mortgage declined because CIS income fluctuates is a common issue for contractors working under...
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Mortgage Declined Because Business Expenses Were High: What Lenders See
Mortgage Declined Because Business Expenses Were High Mortgage declined because business expenses were high is a common outcome for self-employed...
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Mortgage Declined Due to Retained Profits Dropping: What Directors Need to Know
Mortgage Declined Due to Retained Profits Dropping Mortgage declined due to retained profits dropping is a common issue for limited...
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Mortgage Declined Self-Employed Director: Why Lenders Say No
Mortgage Declined Because Applicant Recently Became Self-Employed Director Mortgage declined self-employed director is a situation many applicants encounter shortly after...
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Joint Mortgage with One Self-Employed Partner: How Lenders Assess Income
Mortgage where one applicant is self-employed and one employed: how it's assessed A joint mortgage with one self-employed partner is...
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Mortgage Deposit From a Business Account: Is It Acceptable?
Mortgage Deposit From a Business Account: Is It Acceptable? Short answer: sometimes — but only if lenders can clearly see...
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What Happens If Your Most Recent Trading Year Is Lower Than Previous Years?
What Happens If Your Most Recent Trading Year Is Lower Than Previous Years? For self-employed applicants — whether sole traders,...
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How Directors Loans Affect Mortgage Affordability: What Lenders Look For
How Directors’ Loans Affect Mortgage Affordability: What Lenders Look For If you’re a limited company director, chances are you’ve used...
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Self Employed With Irregular Monthly Income: What Lenders Consider
Self Employed With Irregular Monthly Income: What Lenders Consider Many self-employed professionals — freelancers, contractors, sole traders and limited company...
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Can You Get a Mortgage With Only One Year of Trading History?
Can You Get a Mortgage With Only One Year of Trading History? Becoming self-employed brings flexibility and independence, but it...
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How Lenders Assess Self Employed Applicants With Multiple Income Streams
How Lenders Assess Self Employed Applicants With Multiple Income Streams Many self-employed professionals don’t rely on a single source of...
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Mortgages for Self-Employed With One Large Client: What Lenders Look For
Mortgages for Self-Employed With One Large Client: What Lenders Look For Many self-employed professionals earn most of their income from...
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What Happens if Your Most Recent Trading Year Is Lower? Your Mortgage Guide
What Happens if Your Most Recent Trading Year Is Lower? Your Mortgage Guide Self-employed income rarely stays exactly the same...
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How Lenders View Self-Employed Applicants With Multiple Business Types
How Lenders View Self-Employed Applicants With Multiple Business Types It’s increasingly common for people to run more than one business....
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Mortgages for Contractors Paid Through Umbrella Companies: Your Complete Guide
Mortgages for Contractors Paid Through Umbrella Companies: Your Complete Guide Contractors who work through umbrella companies often face questions about...
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Can You Get a Mortgage If Your Self-Employed Income Has Dropped?
Can You Get a Mortgage If Your Self-Employed Income Has Dropped? Self-employed income naturally fluctuates, especially for contractors, freelancers, sole...
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Self-Employed First-Time Buyer Mortgages: Clear Guide to Income & Documents
Self-Employed First-Time Buyer Mortgages: Clear Guide to Income & Documents Many new buyers worry that being self-employed will make it...
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How to Get a First-Time Self-Employed Buyer Mortgage
How to Get a First-Time Self-Employed Buyer Mortgage Getting a mortgage for the first time can feel daunting, and being...
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