Speak to an expert

01245 806 130

info@lb-ms.com

Your home may be repossessed if you do not keep up repayments on your mortgage.

Self-employed

Without the reassurance of a guaranteed salary, self-employed borrowers often find it harder to obtain a mortgage than those in standard employment.

Through our association with LB Group, a UK top 75 Accountancy Practice, we have developed extremely specialist knowledge around arranging mortgages for those who work for themselves or own their own business.

We understand that the figures recorded on a tax return or in company accounts may not show the full picture.

We work with our clients to present their application as positively as possible to make sure the lenders have the full information they need to make a lending decision.

With lenders being more sceptical towards those with irregular income, self-employed borrowers often have to go to further lengths to prove to lenders that they are a worthy investment. Due to the complexities of how income can be earned and drawn from your own business, the way in which lenders will view your circumstances can be very different. Despite this, there are still a number of lenders who are willing to offer competitive mortgage deals to self-employed buyers, providing that you can prove to them that you can afford the mortgage.

As we review the whole of the market, we will check the availability of mortgages from mainstream high-street lenders. For the more complex cases, we also have access to lenders that offer mortgages specifically for the self-employed only. These lenders tend to use a more bespoke approach to assessing the suitability of any new mortgage.

It is also important to take into consideration that the amount that you will be able to borrow will be primarily based on the amount of money that you earn.

Whether you are a sole trader, in a partnership, an LLP or running your own limited company, at LB Mortgage Solutions we can help evaluate your situation and help you in finding a mortgage that fits your self-employed needs.

Testimonials

Client testimonials

Andy Sewell has made all of our property dreams come true. He is so dedicated to finding the right mortgage. He often makes the seemingly impossible possible with his insight and experience. Most importantly, I trust him implicitly.

Suzanne Lloyd

Andy and his team at LB made what I thought was the impossible, possible. Their care , attention to detail and professionalism took all of the stress out of re mortgaging my home and I couldn't be more grateful - I won't be going anywhere else.

Jacey Bloomberg

I found them to be very professional, extremely helpful and knowledgeable. After the first conversation, I felt Andy knew exactly what I needed and how to go about achieving it. As a sister company of my accounts they had all the information they needed to hand to get the application prepared quickly and efficiently.  Within two weeks we had a mortgage offer on the table and the house was secured.

Jeremy Richold

We were at the end of our search after using a handful of FA's in finding a mortgage, and lost hope without any affordable rates from a High Street lender. We were recommended Andy and he turned it 360 degrees into complete happiness for the both of us, with a perfect rate mortgage and lender. Andy is truly professional and driven to help in any way possible. Thank you for all you have done for us, we couldn't have had this home without you.

Jemima H

Both my wife and I have always been happy with the service provided by Peter Chattey and LB over the last 5 years and have and will continue to recommend them to friends and family.  

Jaimin Parmar

We have used Peter and Hannah at LB a few times now. Every time they blow us away with their knowledge and service. Peter’s knowledge of the industry is second to none and he applies for the right mortgage to suit our situation, first time, every time, saving precious time and stress. Hannah is then super organised and efficient at completing all the admin and keeping us informed. I can't say enough about this company, we wouldn't ever look anywhere else for mortgage/insurance advice, a first class service.  

Glyn Trundle

LB have been my mortgage broker for over 5 years. I have always found them responsive and professional. What I find remarkably different about LB is that they don't come to you with a problem. If there is ever a problem they will present a plan of action to move forward. A rare find in business today. 

Joanne Dron

Peter has been advising us on various mortgage issues for a number of years. He made it all so clear for us, explaining what was needed and sorted everything out for us. His advice on long term planning has proved to be invaluable. Peter has a very professional approach to his work and, after each visit to our home, he later forwarded a very detailed report explaining the current situation. We have peace of mind knowing he is just a phone call away. We have and will continue to have absolutely no reservation in recommending him to our friends and family.

Nicola White

Hannah has been a superstar when dealing with such an annoying pest of a customer like myself :) she has held my hand and walked me through the whole process and couldn't of done more for me, she explained everything in fine detail, in words and ways i could understand. Would be recommending her and LB to friends and family and will be looking forward to doing this again in the future.

Dean Franklin 

Professional and reliable advice, all avenues explored within the market for the best client outcome.

David Leigh

Head Office

Chelmsford
Swift House,
18 Hoffmanns Way,
Chelmsford, Essex,
CM1 1GU

Tel: 01245 806 312
Email: info@lb-ms.com

Others Offices

Colchester
The Octagon, Suite E,
2nd Floor, Middleborough
Colchester, Essex
CO1 1TG

Tel: 01206 867551

 

Ipswich
Suffolk House, 7 Hydra,
Orion Court, Addison Way,
Great Blakenham, Ipswich
IP6 0LW

Tel: 01473 359 720

 

Stratford
Number One,
Vicarage Lane,
Stratford, London
E15 4HF

Tel: 0208 221 8282

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