SELF-EMPLOYED MORTGAGES

Mortgages that work for you when you work for yourself

Mortgage Call are professional mortgage brokers, delivering industry-leading mortgages to self-employed with over 130 years combined experience.

First Time Buyer Mortgages

Self-Employed Mortgages

CIS Contractor Mortgages

Debt

Consolidation

Company Accounts

We have access to High Street Lenders that will use your share of net profits and your renumeration to calculate the amount you can borrow.


This often saves Limited Company Directors having to pay higher personal tax bills in order to secure a mortgage.

1 years accounts

Most lenders average the last 2 years accounts but there are some that use the latest years figures for affordability purposes.


If you are a newly formed company there are lenders that will accept 1 years trading history

Salary & Dividends

The most common income evidence a company director is asked for is the the last 2 years salary and dividends of which an average is taken.


Some lenders will use the latest year which can help, or consider your company's retained profits

CIS and Contractors

If you are in the construction industry and get paid via the CIS scheme then we can use your CIS statements as payslips. This means you can be tax efficient and still get the mortgage you deserve.

If you are a day rate contractor then we can use that daily rate rather than you

Company Accounts


We have access to High Street Lenders that will use your share of net profits and your renumeration to calculate the amount you can borrow.


This often saves Limited Company Directors having to pay higher personal tax bills in order to secure a mortgage.

1 years accounts


Most lenders average the last 2 years accounts but there are some that use the latest years figures for affordability purposes.


If you are a newly formed company there are lenders that will accept 1 years trading history

Salary & Dividends


The most common income evidence a company director is asked for is the the last 2 years salary and dividends of which an average is taken.


Some lenders will use the latest year which can help, or consider your company's retained profits

CIS and Contractors


If you are in the construction industry and get paid via the CIS scheme then we can use your CIS statements as payslips. This means you can be tax efficient and still get the mortgage you deserve.


If you are a day rate contractor then we can use that daily rate rather than you

| Welcome to Mortgage Call

Mortgage Call are professional mortgage advisors with over 130 years combined experience in helping self-employed business owners to get the mortgages they deserve.


Our specialist advisors look at the different options open to you and how best to present your income to the lender. We can use your salary and dividends or net profit depending how your limited company is set up for tax. We have lenders able to use your retained profits as income. For sole traders we can use your net profit (taxable pay) or day rate for contractors. Our lenders allow 1 years accounts to be used for affordability instead of the average of the last 2 years that most lenders consider. Even if you only have been trading for 1 year we can help.


We have helped hundreds of customers and offers a detailed approach, ensuring customers are able to access the mortgage deals they need, without delays and with more reliable outcomes.

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100+ Combined years in the industry

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130+ Years Combined Experience

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Self-Employed Mortgage Specialist

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Self-Employed Mortgage Specialist

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Wide variety of lenders

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Wide variety of lenders

As specialist self-employed mortgage brokers, Mortgage Call see things differently, letting us find the best mortgage for you.

Receive The Mortgage Deals You Deserve

Mortgage Call have over 130+ combined years experience in helping self-employed customers like you find the mortgages they

need. Even if you’ve struggled to find a mortgage through other channels, Mortgage Call may be able to help.

Lisa ,

I would just like to say a big thank you . You have been so friendly and helpful throughout the whole process. At all times you kept me well informed and you made me feel confident enough to ask any question. You were a brilliant advocate, who I knew was working in my best interest. I strongly believe it was your intervention that enabled the process to be completed so quickly and smoothly. Thank you again.

Judith Tingley

I recently did business with Susan of Mortgage Call, who was incredibly helpful throughout the mortgage application process and put in loads of extra work to make sure I understood the process as well as pitfalls and things to watch out for. She was available all hours (which I made clear was far beyond my expectation!) and appeared not only attentive but invested in my application. She was more helpful than my solicitors by a long stretch.

What was particularly telling was when we disagreed on a course of action which I had chosen she was very professional and respected my choice.

I'd not hesitate to recommend Susan to anyone applying for a mortgage, and with the same enthusiasm in which she was recommended to me.

Tom Roebuck

"Professional and friendly, great service. Thank you for your help

with my mortgage during a very challenging year."

Gemma Rahman

"As first time buyers, finding offers was incredibly tough. Eric went

out to individual lenders and created a bespoke offering tailored

to us. The communication was crystal clear and he was always

available. Impeccable service!"

Adam West

Let Mortgage Call Find The Right Lenders For You

Building Your Brighter Future

Building Your Brighter Future

Mortgage Call acts as the bridge between customers and the mortgage companies that can help them. Many lenders only deal with brokers like Mortgage Call, meaning a wider choice of available options.


Trusted Advice

Trusted Advice

Clear and concise advice

around the best options for your needs.

Clear and consice advice

around the best options foryour needs.

Communication

Clear Communication

Helping customers cut through the noise to understand things their way.

Helping customers cut through the noise to understand things their way.

Save Money

Save Money

Average lifetime customers saves over £5,000 through Marks' advice and services.

The difference between how your income is calculated can save you thousands.

Specialist Rates

Specialist Rates

Most competitive rates ensuring best price for the customers


Most competitive rates ensuring best price for the customers


Helping Customers Secure The Homes They Deserve

Self-employed mortgages can be confusing with the different ways you can prove your income. Even some mortgage advisers can find it confusing. Mortgage Calls role is to deliver fast, clear and straightforward advice around your best options for what you are looking to achieve.


Mortgage Call strive to serve people in whatever circumstances to move on to the next chapter in your live. Be it buying their first home, securing a re-mortgage or raise money for home improvements or debt consolidation.

  • Industry-leading advice
  • Clear & straightforward recommendations
  • Fast & efficient service

WANT TO TALK TO ONE OF OUR MORTGAGE EXPERTS?

helping self-employed professionals, contractors, freelancers, and small business owners navigate the mortgage process and get the best possible deal.

Arrange a Call With Our Team

Or Get Directly In Touch

10A Denholme Gate Rd, Hipperholme, Halifax HX3 8JQ, UK

01422 20 60 90

enquiries@mortgagecall.co.uk

MORTGAGE CALL

Mortgage Call are a professional mortgage broker, delivering industry-leading mortgages to first-time buyers, self-employed and later life lending customers for over 25 years.

Contact

01422 20 60 90

enquiries@mortgagecall.co.uk

10a Denholme Gate Road, Hipperholme, Halifax,

HX3 8JQ

The guidance and/or advice contained within this website are subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Terms and Conditions: Please read our full privacy statement before you proceed.

Mortgage Call is a trading style of Eric Armstrong who is an Appointed Representative of Mortgage Next Network Limited, which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

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

Please note that some forms of BTL mortgages are not regulated by the FCA

Address:

10a Denholme Gate Road

Hipperholme

Halifax

HX3 8JQ

t: 01422 206090

e: enquiries@mortgagecall.co.uk

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.

How to complain (financial-ombudsman.org.uk)

*There may be a fee for the advice given, the exact amount will depend upon your circumstances. If the mortgage is under £60,000, a fee will be payable and will not exceed £295. For all Equity Release/Lifetime mortgages, a fee will be payable of £795. All fees are payable on completion, please ask for further information on the fee you could pay.

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