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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

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

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352 Reviews
4.9 Rating

Rachel Mills

Thank you for sorting all this for us. You and your company have been fab. Thank you.


Emma Gould

Yes, everything went through. Getting settled in the New house. I love it. Thank you so much for all you did last week, if it wasn't for you it would not have happened. Both me and Darren want to say we are ever so grateful. My sister wanted your number so I am passing on your details with raving reviews.


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.

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details:

Your mortgage will be secured against your property.

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

A fee of up to 1.95% of the mortgage amount, subject to a minimum fee of £1,295 and an overall maximum fee of £2,995 payable on completion.