Imagine if there was a lender who could offer a simple, complete solution for your self-employed clients

Posted on:
July 20, 2022
Posted by:
Bluestone Mortgages

Hands up if you have ever experienced a self-employed case with only 12 months of trading history. Now keep your hands up if you were unsure whether there was a lender out there who could help.

One of the biggest hurdles self-employed individuals go through is being overlooked by the mainstream mortgage market because their income isn’t necessarily as straightforward. With no fixed annual salary or payslips to showcase earnings, it can be challenging to borrow the amount needed as an employed individual.

At Bluestone Mortgages, we provide solutions built on real customer needs, not outdated rules and automated processes. When assessing self-employed cases, we can look at the following:

  1. Only 12 months of trading history
  2. 100% of the latest year’s figures rather than averaging
  3. Accountants’ certificates can be used for income rather than SA302’s or company accounts if someone has been trading for less than 2 years
  4. Salary + net profit can be used for Ltd company directors with 100% shareholding
  5. Capital raising is available for any legal purpose, including business

One thing that sets us apart is we handle each case individually and work with you through every step of the journey to provide the best solution for your client. Our team is here to help your customer achieve their homeownership dream.

Click here for more information on how we can help your self-employed customers. Alternatively, call us on 0800 368 1833 or request a call back here.

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