Are you a freelancer, contractor or self-employed and worried about the implications for your mortgage? We are here to help.
Self employment is on the rise in Northern Ireland, with many people saying goodbye to the 9-5 in favour of becoming their own boss. One of the biggest concerns we hear from our self-employed clients in Belfast and beyond, is that self-employment will affect their chances of getting a mortgage. This could not be further from the truth.
As a self-employed person, you have access to the same mortgage products as anyone else, as long as you meet the lender’s criteria.
The mortgage process is very similar to that of an employed person, with the main difference being the information you need to provide to prove your income. Many clients worry that they will need three years’ accounts to obtain their mortgage, when in fact many banks and lenders will accept one year’s accounts.
At Crawford Mulholland, we use our expertise as one of Belfast’s leading mortgage advisors to take the stress out of your mortgage application. With many years’ experience in finding and securing mortgages for self-employed clients, we can help you to find a product that best suits your circumstances, and advise you on how to gather the information you’ll need to succeed with your application.