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	Until	Reverting To	Overall Cost for Comparison	Early Repayment Charge
1.43%	Fixed31/12/2025	3.59%	2.9%APRC	Until31/12/2025	More Info
1.20%	Fixed31/12/2022	3.59%	3.3%APRC	Until31/12/2022	More Info
1.19%	Fixed28/02/2023	3.59%	3.3%APRC	Until 28/02/2023	More Info
1.57%	Fixed31/01/2023	3.54	3.3%APRC	Until31/01/202	More Info
1.44%	Fixed28/02/2023	3.59%	3.3%APRC	Until28/02/2023	More Info
2.83%	Fixed31/01/2023	3.59%	3.5%APRC	Until31/01/2023	More Info
3.74%	Fixed24 months	3.59%	3.7%APRC	For24 months	More Info
1.27%	Fixed31/12/2023	3.59%	3.3%APRC	Until31/12/2023	More Info
1.42%	Fixed01/03/2026	4.34%	3.3%APRC	Until01/03/2026	More Info
1.70%	Fixed31/01/2026	4.34%	3.4%APRC	Until31/01/2026	More Info
1.67%	Fixed28/02/2026	3.59%	2.9%APRC	Until28/02/2026	More Info
1.64%	Tracker24 months	3.59%	3.4%APRC	None	More Info
1.34%	Tracker24 months	3.59%	3.3%APRC	For24 months	More Info
1.72%	Tracker24 months	3.59%	3.3%APRC	None	More Info

Initial Rate:

1.43%

Until:

Fixed31/12/2025

Reverting To:

3.59%

APRC:

2.9%

Early Repayment Charge:

Until31/12/2025

More Info

Initial Rate:

1.20%

Until:

Fixed31/12/2022

Reverting To:

3.59%

APRC:

3.3%

Early Repayment Charge:

Until31/12/2022

More Info

Initial Rate:

1.19%

Until:

Fixed28/02/2023

Reverting To:

3.59%

APRC:

3.3%

Early Repayment Charge:

Until 28/02/2023

More Info

Initial Rate:

1.57%

Until:

Fixed31/01/2023

Reverting To:

3.54

APRC:

3.3%

Early Repayment Charge:

Until31/01/202

More Info

Initial Rate:

1.44%

Until:

Fixed28/02/2023

Reverting To:

3.59%

APRC:

3.3%

Early Repayment Charge:

Until28/02/2023

More Info

Initial Rate:

2.83%

Until:

Fixed31/01/2023

Reverting To:

3.59%

APRC:

3.5%

Early Repayment Charge:

Until31/01/2023

More Info

Initial Rate:

3.74%

Until:

Fixed24 months

Reverting To:

3.59%

APRC:

3.7%

Early Repayment Charge:

For24 months

More Info

Initial Rate:

1.27%

Until:

Fixed31/12/2023

Reverting To:

3.59%

APRC:

3.3%

Early Repayment Charge:

Until31/12/2023

More Info

Initial Rate:

1.42%

Until:

Fixed01/03/2026

Reverting To:

4.34%

APRC:

3.3%

Early Repayment Charge:

Until01/03/2026

More Info

Initial Rate:

1.70%

Until:

Fixed31/01/2026

Reverting To:

4.34%

APRC:

3.4%

Early Repayment Charge:

Until31/01/2026

More Info

Initial Rate:

1.67%

Until:

Fixed28/02/2026

Reverting To:

3.59%

APRC:

2.9%

Early Repayment Charge:

Until28/02/2026

More Info

Initial Rate:

1.64%

Until:

Tracker24 months

Reverting To:

3.59%

APRC:

3.4%

Early Repayment Charge:

None

More Info

Initial Rate:

1.34%

Until:

Tracker24 months

Reverting To:

3.59%

APRC:

3.3%

Early Repayment Charge:

For24 months

More Info

Initial Rate:

1.72%

Until:

Tracker24 months

Reverting To:

3.59%

APRC:

3.3%

Early Repayment Charge:

None

More Info

Mortgage Calculator

Repayment: £0.00 pcm

Interest Only: £0.00 pcm

Stamp Duty Calculator

Stamp Duty: £0.00

Effective Rate: 0.00 %

Tax Band	%	Taxable Sum	Tax
£0 - £500,000	0%	£0.00	£0.00
500,000 - £925,000	5%	£0.00	£0.00
£925,000 - £1,500,000	10%	£0.00	£0.00
£1,500,000+	12%	£0.00	£0.00

For more information about
Self-Employed Mortgages contact SPF Property Finance

SPF Property Finance

+44 (0)333 222 6641

info@spf.co.uk

Get in Touch

Related Downloadable Material

Self-Employed

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Related Services

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Retirement Strategies

Investment Planning

Life and Health Insurance

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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.

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Residential Mortgages

Self-Employed Mortgages

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Mortgage Calculator

Stamp Duty Calculator

For more information aboutSelf-Employed Mortgages contact SPF Property Finance

SPF Property Finance

Related Downloadable Material

Related Services

Property Purchase

Retirement Strategies

For more information about
Self-Employed Mortgages contact SPF Property Finance