Are you a sole trader seeking a mortgage?
Do You Qualify?
Get to know your mortgage options in a matter of minutes
Sole Trader Benefits
Realise the unique advantages being a Sole Trader
Keys to Success
Your application matched to the right lender by our experts
NW Guarantee
We promise you’ll be accepted or get £250 Amazon vouchers
How to get a mortgage being a sole trader
We understand that ‘one size does not fit all’ especially for sole traders.
We offer innovative mortgage products designed to provide solutions for sole traders who are often overlooked by their own bank.
Most high street banks will say they require two years solid figures before being able to consider your application. What makes this even worse, is they’ll use an average over the last two years often leaving you short of where you’d like to be.
If this sounds familiar, then don’t be discouraged. You’re about to witness the power of having a team of sole trader experts fighting your corner!
Our unique approach involves manually underwriting mortgages with common sense, without relying on credit scoring. This, along with our deep knowledge of the sole trader mortgage market brings solutions you never thought possible.
If you want to take advantage of the benefits of being a sole trader whilst remaining as tax efficient as possible then you’ve come to right place.
Our lenders love sole traders and with exclusive deals at high street rates your mortgage dreams can finally become a reality.
Why Work With Us
Here are just a few ways we’re DIFFERENT from other companies
Self-Employed
Specialists
Specialists
In-House
Underwriting
Underwriting
Borrow
More Money
More Money
Proven
Success Rate
Success Rate
Sole Trader Success Story
Thanks to our tailored service, sole trader Ben secured his dream property with partner Erin. We expertly positioned their case with the lender, leading to approval. They’ve moved in, and their labradors, Loki, Roghan, and Wallace, are loving their new garden
The new wave method
Here’s the SIX STEPS to GUARANTEE Self-Employed Mortgage SUCCESS
Pro-TIP:
Sole Traders
Our expert Dylan says “Being a sole trader is amazing! We have a number of strategies in our arsenal to ensure we take advantage of your sole trader status. With us, you get rewarded not penalised.
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 most recent figures. Being experts in sole trader mortgages, we have access to lenders that will lend significantly more! 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 sole traders 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 your tax calculations (otherwise known as SA302) for the last 2 years. If you’ve only got one year’s figures then just this tax calculation is required.
We are so confident your application will be approved that you’ll receive £250 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.
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Trusted Self Employed Mortgage Brokers
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