Why Self-Employed Borrowers Choose New Wave for Their Mortgage
Finding the right mortgage as a self-employed borrower can feel unnecessarily difficult. Lenders ask different questions, income is assessed in inconsistent ways and generic advice often misses the mark.
That’s exactly why New Wave exists.
Unlike most mortgage brokers, New Wave works exclusively with self-employed people. We deliver specialist support for sole traders, limited company directors, freelancers and contractors.
A mortgage broker built solely for the self-employed
Most mortgage companies deal with self-employed applications occasionally. New Wave does it every single day.
That focus makes a real difference. By handling self-employed mortgages exclusively, New Wave understands how different lenders assess:
- Limited company director income
- Sole trader and partnership profits
- Retained profits and dividends
- Complex or fluctuating earnings
This depth of experience helps avoid the common mistakes that cause delays, rejections or worse mortgage terms than necessary.
There’s a reason specialist knowledge matters here. One small misstep in how income is presented can change the outcome of an application. New Wave’s entire process is built to get this right first time.
Better mortgage outcomes, not just approvals
Getting a mortgage offer is only part of the story. The terms matter just as much.
New Wave’s approach is designed to secure the best available rates and structures for self-employed borrowers, not just a yes from the first lender willing to proceed. That includes:
- Matching applications to lenders that actively support self-employed income
- Structuring cases to reflect real earnings, not worst-case assumptions
- Avoiding unnecessary conditions that slow things down
This focus often means lower rates, more suitable lending and fewer nasty last-minute surprises.
A faster, simpler process for busy business owners
Time is always in short supply when you’re self-employed – we know that. That’s why our processes and advice all take that into account.
Because the team understands the documentation lenders actually need, they avoid those frustrating back-and-forth requests and reduce delays. We share with you what’s required upfront, how long things should take and what to expect at each stage.
That clarity removes a lot of the stress that self-employed borrowers associate with mortgages.
Real experience, not generic advice
New Wave’s founder, David, created the business with a deep understanding of the challenges that self-employed individuals face firsthand. It’s this fresh perspective that shapes how we operate today, and how we support you throughout the application process.
Over the past decade, New Wave has helped thousands of self-employed people across the UK secure mortgages, even in complex situations. The experience gained from those cases feeds directly into how new applications are handled.
The right choice for self-employed mortgages
If you’re self-employed and want your mortgage handled properly by a team that does this work every day, New Wave stands apart from generalist brokers.
Our singular focus, proven process and deep lender knowledge are why so many self-employed borrowers choose us to guide them through their mortgage application process to success.
