Residential Mortgages

Self-Employed Mortgages

The number of self-employed people may be growing but getting a mortgage is not always straightforward. While your accountant may structure your income in such a way as to minimise the tax you pay, it can be difficult to satisfy a lender that you can afford a mortgage. Lenders may also struggle to understand more complex income streams such as dividends, bonuses and retained profits in a business. Many of SPF’s clients are self-employed so we have plenty of experience in dealing with their mortgage requirements and know which lenders are most likely to offer competitive terms.

Initial Rate:

2.33%

Until:

Fixed01/08/2024

Reverting To:

4.99%

APRC:

4.6%

Early Repayment Charge:

Until01/08/2024

More Info
Initial Rate:

2.39%

Until:

Fixed01/08/2024

Reverting To:

4.99%

APRC:

4.6%

Early Repayment Charge:

Until 01/08/2024

More Info
Initial Rate:

2.44%

Until:

Fixed31/07/2024

Reverting To:

4.99%

APRC:

4.6%

Early Repayment Charge:

Until 31/07/2024

More Info
Initial Rate:

2.24%

Until:

Fixed02/07/2024

Reverting To:

4.00%

APRC:

3.8%

Early Repayment Charge:

Until02/07/2024

More Info
Initial Rate:

2.47%

Until:

Fixed31/10//2024

Reverting To:

4.79%

APRC:

4.5%

Early Repayment Charge:

Until31/10/2024

More Info
Initial Rate:

2.77%

Until:

Fixed31/08/2024

Reverting To:

4.49%

APRC:

4.0%

Early Repayment Charge:

Until31/08/2024

More Info
Initial Rate:

2.38%

Until:

Fixed01/08/2027

Reverting To:

4.99%

APRC:

3.9%

Early Repayment Charge:

Until 01/08/2027

More Info
Initial Rate:

2.42%

Until:

Fixed01/08/2027

Reverting To:

4.99%

APRC:

3.9%

Early Repayment Charge:

Until 01/08/2027

More Info
Initial Rate:

2.30%

Until:

Fixed01/08/2027

Reverting To:

4.99%

APRC:

3.9%

Early Repayment Charge:

Until 01/08/2027

More Info
Initial Rate:

1.74%

Until:

Tracker24 months

Reverting To:

4.04%

APRC:

3.9%

Early Repayment Charge:

None

More Info
Initial Rate:

1.94%

Until:

Tracker24 months

Reverting To:

4.04%

APRC:

3.9%

Early Repayment Charge:

None

More Info
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Self-Employed


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SPF Private Clients are experts in helping people achieve their goals by providing the right funding, wealth management and insurance advice.

A fee of up to 1% of the loan amount is payable. For example, if we arrange a loan of £100,000 the fee could be £1,000. The exact fee charged will depend on the amount of work undertaken.

SPF Property Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).