Specialist mortgage advice for Manchester's freelancers, contractors and business owners. Our advisers know the Manchester market inside out.
Getting a mortgage when you're self-employed can feel more complicated than for employed applicants, but it doesn't have to be. At MortgageReady we work with Manchester's sole traders, freelancers, contractors, limited company directors and business owners every day. We know which lenders are most flexible with self-employed income and how to present your accounts in the strongest possible light.
Most lenders want to see 2–3 years of accounts or tax returns, but some specialist lenders on our panel will consider just 1 year of trading. Contractors can often use their day rate rather than company profits, dramatically increasing the amount available. Your adviser will identify the approach most likely to succeed for your specific situation.
Tell us a little about your situation and we'll be in touch — usually same day.
We guide first-time buyers through every step — from understanding what you can borrow to collecting your keys.
Find a better rate, release equity or consolidate debt. We search the whole market so you don't have to.
CCJs, defaults or missed payments don't have to mean no mortgage. We know specialist lenders who can help.