Burger Menu

Self Employed Mortgage Advice in Derby

Get your free consultation 7 days a week

01332 979187

Discover the possibilities of Self Employed Mortgages!

It can be frustrating being Self-Employed and trying to find lenders in Derby who will accept you. Quite often you will find that the headlines rates advertised on price comparison sites may not include Self-Employed applicants.


Having income which includes both dividends and salary can be problematic for fitting with certain criteria within such establishments such as banks, but we may be able to help.


We aim to make sure you’re in safe hands. We have years of experience offering Self-Employed Customers reliable Mortgage Advice in Derby to assist with the Mortgage needs and individual situations.


If you’re Self-Employed, we can help gather the necessary and correct information to help prove your income such as getting an SA302 form. Often, with one year’s accounts, we are able to help with an acceptable mortgage and get you on the right track.


Being competent and trusted Mortgage Advisors in Derby we have the knowledge to help you if you’re Self-Employed. We will help and support you with this however we’re able to. If you have already made a mortgage application and been turned down, then it’s important that you take a break, relax and wait.


Applying for more applications could hinder your chances of getting a successful mortgage. Instead, take the time and contact our dependable team today for a free, no-obligation consultation with one of our friendly Mortgage Advisors in Derby.


We will work with you from start to finish and find a lender that is more likely to accept you before we place any more applications.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 007

Popular Self-Employed Scenarios:

  • A sole trader, company director or in a partnership.
  • Concerned about high street bank criteria due to income assessment, credit score or not fitting their criteria.
  • Worried about having a profit that changes year on year.
  • A new business – trading for even as little as a year.
  • Not raising enough capital for the property you really want.
  • Getting paid a combination of salary, dividends, directors loans.
  • Waiting so that the net profit in the business can grow.
  • Needing trusted advice because you have an unusual or complex mortgage situation.
  • Trying to find time to start the process of sorting a mortgage.

Why you should I use a Mortgage Broker in Derby?

Our Mortgage Advisors in Derby will help and support you anytime you need them! The home buying process isn’t always easy so we’ll make sure to help you over any hurdles you face. We have no hidden agenda. We offer genuine Mortgage Advice in Derby solely for you, your individual needs and what’s in your best interest.


Please read our genuine customer reviews at Reviews.co.uk. Your service is really important to us and is what keeps us going!


Mortgage Advice in Derby is available at whatever time fits best with your work and family.  It’s the same service either way!


Unlike a Bank, we’re able to search 1000’s of mortgage deals in order to recommend the best one for you!


We’ll help you with any existing mortgages and properties in the background, and the options available with these if required.

What our customers say

Common mortgage

Your free mortgage consultation in Derby will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.

As your mortgage broker in Derby, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

We recommend you obtain an Agreement in Principle before you start viewing properties in Derby, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed.

It can be possible to get a second mortgage on your home for debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

To purchase a property in Derby. The minimum deposit with High Street Lenders is typically 5% but this can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for self-employed. In addition you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average.



We make it so easy!
Our 4 step process

Step 1

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.

Step 2

You can take some time out to browse potential properties in Derby.

Step 3

Make an offer on the property in Derby that you have your eye on – we’ll finalise your figures and help you get your best deal as a Self Employed applicant.

Step 4

Our Mortgage Advice 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.

Handy quick links

Derbymoneyman.com & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Derbymoneyman

Derbymoneyman – 19 St Christophers Way, Pride Park, Derby, DE24 8JY.

Moneyman Logo

Moneyman Logo

Moneyman Logo

Moneyman Logo

Book your Free Consultation

7 Days 8am - 10pm

Moneyman Logo

Moneyman Logo

Moneyman Logo

Ask Your Question

    Moneyman Logo