Self Employed Mortgage

Self Employed Mortgage

Self Employed Mortgage

Capital Fortune Self Employed Mortgage - are available to self employed people employed in their own business or whose business is responsible for the finance of themself by way of dividends or profit. Self employed finance & mortgages are less easy to obtain than in the past and lenders are more reluctant to provide finance & mortgages to the self employed due to current economic circumstance.

Those seeking self employed finance do not necessarily to undertake mortgage self certification. The process of mortgage self certification has to be on a strict basis and those seeking self employed finance may still be able to demonstrate full evidence of their self employed income by a range of means.

Home mortgage UK lenders do not necessarily require full audited accounts from those seeking self employed finance but in order to undertake mortgage self certification both the authorised online mortgage broker or offline mortgage broker, and the lender need to be satisfied that the mortgage is affordable and suitable for the borrower€™s needs.

At Capital Fortune, we are self employed finance specialists. If necessary we can arrange mortgage self certification but often affordability of the mortgage can be demonstrated in a number of ways. We appreciate, as do lenders that certain trades undertaken by the self employed can make this difficult. We also understand that those requiring self employed finance may not have been in self employment for the requisite two years or they may need to carry out a mortgage self certification given they are employed in one job but received income from a second occupation which is self employed.

In order to obtain the best value mortgages for you, as part of our online mortgage service, we would take your through a full fact find to ascertain your needs and requirements. This would determine the amount and type of self employed finance required and would also determine whether you meet the criteria to undertake mortgage self certification.

Self Employed Services

Why not take a look at some of the other services Capital Fortune provide for the self employed:

Best Self Employed Finance Mortgages

Sickness Insurance Self Employed

Self Employed Medical Insurance

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquiry Online.

How to get in touch

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Residential - Purchase - Best Self Employed Rates


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%APRC2 years £189565%
Product Code: S83
Product Name: 2 Year Discount £1895 Fee
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.28
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 475.00
Monthly Payment After Initial Period: 676.79
Fees Total: 2365.00
True Cost: 0.00
True Cost Over Initial Period: 11870.00
Cashback: 0.00
Valuation Fee: 245.00
Arrangement Fee: 1895.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 175.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 117.50
Detail
Barclays Bank Offset 2 Year Tracker £1749 Fee Purchase BWO1.54%Tracker2 years 3.99%3.7%APRC2 years £174975%
Product Code: 346
Product Name: Offset 2 Year Tracker £1749 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.54
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 489.35
Monthly Payment After Initial Period: 629.98
Fees Total: 1864.00
True Cost: 0.00
True Cost Over Initial Period: 11824.40
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1749.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AV41
Detail
Beverley BS 2 Year Discount £995 Fee Purchase BBV1.58%Discount2 years 4.75%4.3%APRC2 years £99575%
Product Code: 1AO
Product Name: 2 Year Discount £995 Fee Purchase
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.58
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 488.46
Monthly Payment After Initial Period: 673.58
Fees Total: 1465.00
True Cost: 0.00
True Cost Over Initial Period: 12193.04
Cashback: 0.00
Valuation Fee: 245.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 175.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 117.50
Detail
Scottish Widows Bank Professional 2 Year Fixed £1499 Fee Purchase BAA1.64%FixedMay-20203.99%3.7%APRC31-May-2020 £149960%
Product Code: 345
Product Name: Professional 2 Year Fixed £1499 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.64
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 27
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 31-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 494.05
Monthly Payment After Initial Period: 627.73
Fees Total: 1974.00
True Cost: 0.00
True Cost Over Initial Period: 13789.35
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: P2439
Detail
Coventry BS Offset 2 Year Fixed £999 Fee BCV1.65%FixedMar-20204.74%4.2%APRC31-Mar-2020 £99965%
Product Code: 6PO
Product Name: Offset 2 Year Fixed £999 Fee
Lender Code: BCV
Lender Name: Coventry BS
Initial Pay Rate: 1.65
Mortgage Class: Fixed
Initial Rate Period: Mar-2020
Initial Rate Period Months: 25
Standard Variable Rate: 4.74
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 31-Mar-2020
Early Repayment Charge Period Sort Field: 1442
Initial Monthly Payment: 492.49
Monthly Payment After Initial Period: 658.63
Fees Total: 1132.00
True Cost: 0.00
True Cost Over Initial Period: 12445.25
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 8
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 125.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 117.43
Lender Product Reference: OFN53
Detail
Scottish Widows Bank Professional 2 Year Fixed £999 Fee Purchase BAA1.74%FixedMay-20203.99%3.7%APRC31-May-2020 £99960%
Product Code: 477
Product Name: Professional 2 Year Fixed £999 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.74
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 27
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 31-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 497.78
Monthly Payment After Initial Period: 625.75
Fees Total: 1474.00
True Cost: 0.00
True Cost Over Initial Period: 13890.06
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: P2435
Detail
Scottish Widows Bank Flexible 2 Year Fixed £1499 Fee Purchase BAA1.74%FixedMay-20203.99%3.8%APRC31-May-2020 £149960%
Product Code: F32
Product Name: Flexible 2 Year Fixed £1499 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.74
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 27
Standard Variable Rate: 3.99
Apr Lenders: 3.8
Early Repayment Charge Applies Until: 31-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 499.84
Monthly Payment After Initial Period: 628.34
Fees Total: 1974.00
True Cost: 0.00
True Cost Over Initial Period: 13945.68
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: F2629
Detail
Barclays Bank Offset 2 Year Tracker £999 Fee Purchase BWO1.84%Tracker2 years 3.99%3.7%APRC2 years £99975%
Product Code: 002D0C
Product Name: Offset 2 Year Tracker £999 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.84
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1418
Initial Monthly Payment: 503.63
Monthly Payment After Initial Period: 627.72
Fees Total: 1114.00
True Cost: 0.00
True Cost Over Initial Period: 12167.12
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AV42
Detail
Scottish Widows Bank Flexible 2 Year Fixed £999 Fee Purchase BAA1.84%FixedMay-20203.99%3.7%APRC31-May-2020 £99960%
Product Code: 341
Product Name: Flexible 2 Year Fixed £999 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.84
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 27
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 31-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 503.59
Monthly Payment After Initial Period: 626.36
Fees Total: 1474.00
True Cost: 0.00
True Cost Over Initial Period: 14046.93
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: F2625
Detail
Accord Intermediary Offset 2 Year Fixed No Fee ACC1.97%FixedMay-20204.99%4.6%APRC31-Mar-2020 £075%
Product Code: 00169H
Product Name: Intermediary Offset 2 Year Fixed No Fee
Product Availability: Intermediaries Only
Lender Code: ACC
Lender Name: Accord
Initial Pay Rate: 1.97
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.99
Apr Lenders: 4.6
Early Repayment Charge Applies Until: 31-Mar-2020
Early Repayment Charge Period Sort Field: 1442
Initial Monthly Payment: 506.87
Monthly Payment After Initial Period: 683.67
Fees Total: 295.00
True Cost: 0.00
True Cost Over Initial Period: 13980.49
Cashback: 0.00
Valuation Fee: 205.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 3000000.00
Legal Fee: 117.00
Lender Product Reference: 47020
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: Yes Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.