New Wave Guarantee for Self-Employed Mortgages
Secure Your Mortgage with Confidence
Securing a mortgage as a self-employed buyer can feel unpredictable. Lenders scrutinise documentation closely and even the smallest of details can derail an application
The New Wave Guarantee removes that uncertainty.
If you follow our six-step process, we can guarantee your mortgage application will be approved. If it isn’t, we’ll give you £250 in Amazon vouchers.
This service is designed for self-employed clients, including limited company directors, sole traders, contractors, freelancers and CIS workers. It suits anyone with an offer already accepted, a property in mind or those seeking to refinance for reasons like debt consolidation or home improvements.
Who Should Use the New Wave Mortgage Guarantee
The Guarantee is perfect for self-employed buyers seeking certainty before submitting an application. It supports complex situations such as multiple incomes, jump in profit scenarios, one-year trading histories or previously declined mortgages. You can expect a bespoke strategy that’s based on your personal circumstances, income structure and long-term goals.
This service is perfect for people who want to feel supported and confident while sorting out their mortgage. We’ll guide you through each step and make sure you never feel left in the dark.
Six Steps to Guarantee Your Mortgage Approval
We guarantee your mortgage approval by carefully going through the same steps a lender would, before your application is submitted. This way, nothing is left to chance and you can move forward with confidence, knowing there will be no last-minute surprises.
Our six-step process has been built specifically for self-employed applicants and refined through years of lender experience.
Step 1: Your Unique Self-Employed Mortgage Story
Your journey starts with a focused strategy call, which explores your wider circumstances, not just the numbers.
We take time to understand your reasons for moving, your future plans for the property, family considerations and long-term goals.
This context shapes every recommendation we make, including product length and lender choice. No two self-employed individuals follow the same path, so no two approaches should look the same.
Step 2: Self-Employed Credit Check-Up
Before anything is submitted, your credit profile is reviewed in minute detail.
We identify potential issues early, explain how lenders are likely to interpret them and address any obstacles upfront, which prevents delays and rejections caused by nasty surprises buried in credit reports.
By the time we move forward, we already know how your profile aligns with lender criteria, setting you up for application success.
Step 3: Supercharge Your Self-Employed Income
Self-employed income rarely fits neatly into standard lender formulas. That‘s what makes a self-employed mortgage specialist like New Wave the key to your success.
We specialise in limited company director mortgages, sole trader mortgages, contractor mortgages, freelancer mortgages and CIS worker mortgages. We understand how income can be best structured and presented across salary, dividends, retained profits, contract income or multiple revenue streams to maximise your lending potential.
By assessing income in ways many brokers overlook, we can often support higher borrowing for clients who struggle with traditional mortgage brokers, inclusion self employed individuals with multiple incomes, those who have seen a recent jump in profits or even those with just one year of trading history.
Our approach can make the difference between securing the property you want and settling for less.
Step 4: Bulletproof Self-Employed Bank Statements
We review every page of your personal and business bank statements, looking for patterns and explaining anything that may raise questions.
By preparing answers and supporting evidence in advance, we make sure your application is as strong and complete as possible from the get-go, which speeds up the overall approval process. With some careful preparation, we can ensure you a confident, complete submission from day one.
Step 5: Stress-Free Property Signoff for Self-Employed Buyers
Before you spend money on surveys or fees, we’ll review the property itself.
We liaise directly with the estate agent to gather the information lenders care about and confirm the property meets the lender’s criteria, reducing the risk of valuation or suitability issues later and keeping the whole process stress-free.
Step 6: Your Self-Employed Mortgage Guaranteed
Once every step has been completed, your application is effectively pre-underwritten.
Your income, credit profile, bank statements and property details have already been tested against lender criteria and our underwriting team mirrors the bank’s assessment before submission.
That’s why we can guarantee approval from the outset.
Why Choose New Wave for Self-Employed Mortgages
Guarantees are rare in the mortgage market, since most applications are submitted with many unknowns and uncertainties.
Our process removes those unknowns. By aligning your application with lender expectations before submission, we significantly reduce risk and uncertainty for everyone involved.
The result? A smoother journey, faster decisions and confidence from the very beginning.
Book Your Free Self-Employed Mortgage Strategy Call
If you want clarity and certainty before moving forward, book a free 15-minute strategy call.
We’ll discuss your circumstances, explain how the New Wave Guarantee applies to you and confirm if your case fits any exceptional criteria, such as one-year trading, jump in profit, multiple incomes or a previously declined mortgage. We’ll outline the documents needed to start the six-step process and put you on the track to your dream mortgage.
New Wave is authorised and regulated by the Financial Conduct Authority. All advice is provided by qualified mortgage professionals experienced in complex self-employed cases.
You are under no obligation. The process is pressure-free. Follow our steps and your mortgage approval is guaranteed, or you receive £250 in Amazon vouchers.
