Mortgages With Just 1 Year Trading History

Do you only have 1 years’ trading and seeking a mortgage?

Well, you can finally put your feet up!  As the UK’s self-employed mortgage experts, we specialise in securing mortgages with just one years’ trading history, ensuring you get approved without any hassle.

Mortgages With Just 1 Year Trading History

Do you only have 1 years’ trading and seeking a mortgage?

Well, you can finally put your feet up!  As the UK’s self-employed mortgage experts, we specialise in securing mortgages with just one years’ trading history, ensuring you get approved without any hassle.

Do You Qualify?

Get to know your mortgage options in a matter of minutes

1yr Trading Benefits

Take advantage of just one year trading history

Keys to Success

Your application matched to the right lender by our experts

NW Guarantee

We promise you’ll be accepted or get £500 Amazon vouchers

How to get a mortgage with just 1 year trading history

If your business has been trading for less than two years, then you’ll often be penalised or even worse declined for the mortgage amount you want.

Most high street banks and mortgage brokers get nervous when you approach them with only one year’s trading history.

This often leads to being mistakenly advised that you’ll need to provide two years trading history before you can apply for a mortgage. Your hopes of achieving a mortgage are over before they even got started.

Well don’t be dis-heartened, you’re about to witness the power of having a team of experts that specialise in mortgages with just one years’ trading history!

Our unique approach involves manually underwriting mortgages with common sense, without relying on credit scoring. This, along with our deep knowledge of mortgages with just one years’ figures brings solutions you never thought possible.

If you want to take advantage of getting a mortgage on high street rates without waiting another 12 months, then you’ve come to right place.

Our lenders love self-employed individuals with just one-year figures and with our strategic process your mortgage dreams are just a few clicks away.

Why Work With Us

Here are just a few ways we’re DIFFERENT from other companies
Self-Employed
Specialists
In-House
Underwriting
Borrow
More Money
Proven
Success Rate

One Years’ Trading Success Story

With just one year of trading history, Daniel and Emma secured their dream home thanks to our tailored approach. We matched them with a lender accepting their single year of income, avoiding the need for a larger deposit

The new wave method

Here’s the SIX STEPS to GUARANTEE Self-Employed Mortgage SUCCESS
1. Tell Us Your Unique Story

The first step is speaking to your 1 Year Trading expert

2. Get Your Credit Check

We complete this without any searches on your credit report

3. Supercharge Your Income

Utilise profits in your business to increase your borrowing power

4. Bullet-Proof Your Paperwork

In-House underwriters review your documents to reduce problems

5. Stress-Free Property Sign-Off

Make sure your property is suitable without any valuation fees

6. Your Mortgage is Guaranteed

Get the mortgage we promised or receive £500 Amazon vouchers

Pro-TIP:

1 Years’ Trading

Our expert Callum says “only been trading for a year? No Problem! By choosing the right lender and positioning your application correctly, you’ll secure a mortgage without having to wait another year”.

Ask our Experts

Yes, we charge a one-off broker fee when your mortgage is accepted by the lender. At this stage your application has been submitted, they’re happy with your paperwork and their surveyor has valued your property. At this point, you’ll be sent a formal mortgage offer which is a legally binding document to confirm the mortgage is approved. We’ll then invoice for our broker fee of £1,995.

Typically, it takes 2-4 weeks to get your application approved by the lender. The quickest we have turned an application around is just 48 hours! If speed is important, then tell your expert and they’ll match you with the right lender to ensure it gets accepted as quickly as possible.

As a rule of thumb, lenders restrict the amount you can borrow to 4.5 x your last two years tax returns. Being experts in mortgages with just one year’s trading, our lenders will lend significantly more and you don’t have to wait for your second year!  Use our quick calculator to get an estimate based on your self-employed earnings.

The answer to this is simple. Yes! It’s just question of when you’ll be able to get the mortgage you’re looking for. Our unique service for mortgages with just one year self-employment history provides all the best shortcuts out there to bring you the best mortgage options in the quickest timeframes possible.

This depends on the lender your expertly matched with. As a minimum we require proof of ID, proof of address and proof of income. We’ll need sight of any tax calculation (otherwise known as SA302) if you’re a sole trader or your latest set of company accounts if you’re a limited company.

We are so confident your application will be approved that you’ll receive £500 Amazon vouchers if we don’t. That’s the New Wave Guaranteee. We also take all the risk so you don’t have to… this means you don’t pay us a penny if we’re not able to secure the mortgage we promised.

Have a question, but can’t seem to find the answer?  Click here.

Trusted Self Employed Mortgage Brokers

Don’t just take our word for it… Read genuine customer reviews to see what makes us trusted self employed mortgage brokers