SELF EMPLOYED MORTGAGES
Self Employed Mortgages the Modern Way
Company director? Contractor? Self-employed? We recognise the difficulty and stress applying for a mortgage can sometimes be for these individuals. Our experts can help match you with the right lenders to get you the best deal possible.
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Understanding Self-Employed Mortgages
Being self-employed is often stressful at the best of times, however when it comes to applying for a mortgage it often gets harder. In the UK there are around 4.2 million people who classify as self-employed, encompassing many types of employment such as company directors and freelancers. Despite their often impressive work ethic, in the eyes of the big banks and high street lenders, those who are self-employed are considered to be a risk.
But why? The majority of the time this is due to how you prove your income. Often with self-employed individuals, your income fluctuates monthly which banks can perceive as more risky than someone who receives a regular monthly income from full-time employment.
However, thankfully there are lenders who want to work with you to make your mortgage happen. This is why working with a mortgage broker who specialises in self-employed mortgages is important. We have experience working with contractors, freelancers, company directors and everyone else in between and will be able to remove the stress of your mortgage application.
Start My ApplicationBut why? The majority of the time this is due to how you prove your income. Often with self-employed individuals, your income fluctuates monthly which banks can perceive as more risky than someone who receives a regular monthly income from full-time employment.
However, thankfully there are lenders who want to work with you to make your mortgage happen. This is why working with a mortgage broker who specialises in self-employed mortgages is important. We have experience working with contractors, freelancers, company directors and everyone else in between and will be able to remove the stress of your mortgage application.
Frequently asked questions
Here’s a few frequently asked questions about self-employed mortgages
Your home may be repossessed if you do not keep up repayments on your mortgage.
Who is Nesto for?
Whatever your circumstance, we have a solution.
Purchase or Remortgaging
First-time buyer? Fixed-term mortgage ending? Whether
you're purchasing a new
house or remortgaging,
our partners can
help.
you're purchasing a new
house or remortgaging,
our partners can
help.
Self-Employed Mortgages
Bored of being told no? Let us make your mortgage process as stress free as possible.
Bad Credit Mortgages
Don't let your credit history define you. Our specialists are here to guide you through the process.
Protection
Get the right advice to protect your most valuable assets.
Why Nesto?
We’ve modernised the mortgage process to make it as stress free as possible.
Step 1
We Learn About You & Your Property
Send us details about you and your property so we can get started. It takes less than 2 minutes and doesn't affect your credit score.
Step 2
Match with an Expert and Explore Your Options
Get matched with an expert who has previous experience dealing with situations like yours. They'll then help to create your application and discuss your options.
Step 3
Search Thousands of Mortgages On Your Behalf
Our Partners have access to thousands of mortgage and protection products. Our teams expertise and knowledge help our customers navigate these options to find an offer that's right for them.
Step 4
Secure your Deal and Get You into your Home
Your dedicated specialist will do all the hard work whilst you track your mortgage application in our customer portal. We're available 7 days a week for any additional support you ever need too.
Step 5
Then Track your Mortgage Daily for Better Rates
After we've helped you find the best deal, our innovative mortgage tracker ensures you're always on the best rate available for yourself until your remortgage.
Mortgages and Protection the Modern Way.
Nesto is a trading name of Nesto Mortgages Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Nesto Mortgages Ltd is registered in England & Wales, Companies House no. 14964264. Head office: Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, England, SK9 1LD. The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
www.nesto.co.uk is a website solely used for marketing and no advice is provided directly from this site. Nesto introduces you to a suitable Partner that can help give you individual advice and match you to the right solution for your personal circumstances, we are paid a fee for the introduction.
Nothing on this website constitutes financial advice. However, we do look to match you with the right financial advice so you can speak to a qualified financial advisor. This website provides information only, and the choice of product is for you alone to choose. As an introducer we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability.
www.nesto.co.uk is a website solely used for marketing and no advice is provided directly from this site. Nesto introduces you to a suitable Partner that can help give you individual advice and match you to the right solution for your personal circumstances, we are paid a fee for the introduction.
Nothing on this website constitutes financial advice. However, we do look to match you with the right financial advice so you can speak to a qualified financial advisor. This website provides information only, and the choice of product is for you alone to choose. As an introducer we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability.
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