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Mortgages for first time buyers

Mortgages for the self-employed

Getting a mortgage as a self-employed person has long been considered a challenge. Thanks to unpredictable payment terms and income fluctuations, some lenders can be reluctant to provide self-employed people with the mortgages they need.

Thankfully, being self-employed doesn’t mean you’re destined to a lifetime of renting. Providing you have a healthy deposit, a secure credit rating and evidence you can handle monthly mortgage repayments, home ownership is still within your reach.

Whether you’re a first time buyer or a recently self-employed home owner looking to move into a bigger place, TaylorMade Finance can help you obtain a mortgage for the home of your dreams.

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Everything you
need to know…

How is self employed defined?

If you work for yourself rather than for an employer paying a salary or wage, you’re considered to be self-employed. You’re also self-employed if you hold a stake of 25% or more in a company.

The following may also be treated as self-employed:

  • Sub-contractor with income from more than one contract
  • Partner in a business
  • A franchise owner
  • Anyone employed by a limited company of limited liability partnership whose rewards package includes dividends and/or profit share

The following may also be treated as self-employed:

Sub-contractor with income from more than one contract.
Partner in a business.
A franchise owner.
Anyone employed by a limited company or limited liability partnership whose rewards package includes dividends and/or profit share.

If, as a sole trader, you are considering setting up a company, be careful. Lenders will tend to ignore your record as a trader and start from scratch on examining your company records, probably requiring at least two years’ accounts.


The benefit of using a broker is that they can do the shopping around for you. We already know which lenders are most likely to provide self-employed people with the mortgages they need. As a result, we can save you time, energy and money during your mortgage search.

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Mortgage Calculators

Our online mortgage calculators have been designed to help you with the most common mortgage questions such as ‘how much can I borrow?’ and ‘how much will it cost?’

To get a more accurate idea we recommend that you speak to one of our expert mortgage advisers.

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Why choose


We conduct a thorough and obligation free financial review to ensure our services are appropriate for you.


We provide a face to face meeting, to take you through the best options for you, in the comfort of your own home.


We aim to support the Financial Conduct Authority initiative of ‘Treating Customers Fairly’ at all times.


We provide you with all the information that you need to make a decisive and informed decision.


With access to a comprehensive range of first charge mortgages and protection, we can deliver a complete range of flexible mortgage solutions to fit your exact requirements.


We provide our clients with an ongoing service by conducting an annual review to ensure that their current mortgage arrangements still suit their needs.


Our comprehensive service includes an initial no obligation consultation, professional advice and recommendation, help with legal paperwork and an annual review for every customer.


All of our advisers are helpful, courteous and ready to listen at all times.

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Taylor Made Testimonials

Don't just take our word for it

We have a wealth of happy customers who can’t help but shout about our excellent services.

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422 Reviews
4.9 Rating


Thankyou Jack, much appreciation sent to you for your hard work. We’re very impressed with the speed and service of TaylorMade and won’t hesitate to recommend. Kindest regards, Megan Boyd, Lincolnshire – 15/04/24



Thank you Jack for all your help in making this happen. It’s hugely appreciated and makes a huge difference to us. Warmest wishes, Brek & Luke Taylor-Tamblyn, Oxfordshire – 09/04/24


Talk to us

If you're unsure and need some advice just give us a call, our expert team of advisers are available to help you choose the mortgage that is right for you.

0345 305 2540

By clicking on the above link you will be leaving the regulated site of TaylorMade Finance Ltd. TaylorMade Finance Ltd is not responsible for the accuracy of the information contained within the linked site.

TaylorMade Finance Ltd is authorised and regulated by the Financial Conduct Authority.


In the event that you wish to complain, you can contact us by email, telephone or letter.

Our address for this is:
Complaints Officer, TaylorMade Finance Ltd, 4 Church Road, Urmston, Manchester, M41 9BU. Our email address is and our telephone number is 0161 776 1089. We will then investigate the issues raised and inform you of our findings. Should you be unhappy with the resolution to your complaint you may contact the Financial Ombudsman Service, who can be contacted at the following address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Phone: 0800 0234 567

Your mortgage will be secured against your property.

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

Our fee for this service is 1.95% of the mortgage balance (minimum £1,295 to a maximum of £2,995 although reduced to maximum £1,995 without debt consolidation). Typically this will be £1,995.