It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
As a mortgage broker in Leeds, we understand going through a mortgage process as a self employed applicant can be challenging. From the hurdle of meeting lender’s criteria or having trouble proving your income, it can take a while to secure that mortgage offer compared to an employed applicant.
It would be ideal if everyone went through the mortgage journey with the same treatment. This isn’t possible because lenders need have to the confidence to lend to you as a self employed applicant. The following are some factors lenders will look at:
Our mortgage advisors in Leeds will provide you with a tailor-made service to help you obtain a self-employed mortgage with a deep consideration for your circumstance.
We will be here with a helping hand throughout your full mortgage journey, providing you with advice as well as support with backing up your application through evidencing your income and years of accounts’.
As providers of expert mortgage advice in Leeds who specialises in working with self-employed customers, we can search 1000s of mortgage products. When we find you the perfect deal and you are wanting to proceed, we can begin preparing your mortgage application.
Our expert mortgage advisors are here 7 days a week so you can get in contact with them whenever is best for you. Therefore, get in touch to book yourself in for a free mortgage appointment.
Our Customers Love Us
4.98 Rating268 Reviews
Anonymous
Really listened and understood what I needed from my insurance, and did a good job finding something aligned with my price point. I felt they had an in-depth understanding of the market, and used this information to provide me with a tailored...
3 hours ago
Mr James
Daniel was brilliant start to finish. Professional, thorough and most of all very patient and accommodating. Reassured me all the way and ensured I'll 100% be using his services again. I hope his hard work is appreciated in the company, thanks very...
1 week ago
Kelly
Best company to use!! Tom and stacey have been amazing! Has a first time buyer I wasn't sure of much of the mortgage process. Tom explained everything to me in terms I would understand and has been great in keeping me up to date. Stacey has carried...
2 weeks ago
Anna
Chris has been absolutely fantastic walking us through the process of buying our home as clueless first time buyers! All questions were answered promptly and we were able to have evening meetings with him to work around our working hours. Chris has...
2 weeks ago
James
Extremely helpful and informative
2 weeks ago
Anonymous
Answered all my questions and very worry free
2 weeks ago
Miss Megan
I came to Moneyman for help with my first home purchase. Jason and the team went above and beyond to answer every question I had, as well as break down every step that I needed to take with care and professionalism. All correspondence was answered...
1 month ago
Mr Paul
Would highly recommend Leedsmoneyman, have used them every time since securing our mortgage first time around. Lewis Davidson & Daniel Dunning-Hornby have been especially helpful and always on hand when needed
1 month ago
Lisa
Always on hand
1 month ago
Adam
Really quick & helpful
2 months ago
Arvind
As ever, we've had a great experience. Daniel was patient with all our queries and clear in his response. Thank you.
3 months ago
Jahanzaib
Very happy with mortgage deal very good and professional
4 months ago
Samantha
I've used the twice now and they have been exceptional each time. Have also recommended to friends and family, who have had a great service. Completely smooth and seamless process, friendly staff, great communication. Couldn't ask for more.
4 months ago
Jahanzaib
Very happy with service and the mortgage deal provided by Leeds moneyman
4 months ago
Jamie
Chris and Kerry were fantastic, really helpful throughout the whole process. Very friendly and informative. Would highly recommend.
6 months ago
Amy
Great broker company. Chris and Kerry were amazing. They were always on hand to help us and chased our solicitors and calmed us when things weren’t going the way it should. We can’t thank them enough.
6 months ago
Chris
Jason and Jo were very helpful and supportive all the way through the process. They provided me with great support from a mortgage point of view and a mental health point of view (they answered all my worries in a timely manner). I would 100%...
6 months ago
Anonymous
Excellent service through a rather complicated moving period which involved two changes of house purchase with attendant changes in mortgage requirements. Dan O was able to obtain a later life mortgage where other brokers had failed. He gave...
7 months ago
Mr
Very good service Dinah was great and they keep in touch throughout the whole process
7 months ago
John
Great service received by Jason Loft. He took the time to clearly explain our options and to arrange our new mortgage, making the process a lot easier than doing it ourselves.
8 months ago
The required number of years for a self employed mortgage can vary depending on the lender’s criteria. However, most lenders typically seek a track record of at least two to three years of financial records, such as tax returns or company accounts.
This documentation is used to evaluate your income stability and determine your eligibility for a mortgage. While some lenders may accept just one year of accounts, it’s essential to note that this could limit your mortgage options and potentially impact the terms of the loan.
Lenders assess the income of self-employed individuals differently compared to salaried employees. They usually consider your average annual income over a specific period, often spanning the past two to three years.
During this appointment, your mortgage advisor in Leeds will look at your asessment to work out your maximum affordability.
Our team will look through 1000s of mortgage products to find the most suitable deal for your circumstances.
Once your purchase offer has been accepted, your mortgage advisor in Leeds will submit your full mortgage application and evidential documents to your lender.
Our service won’t just stop here. We will not only secure you the best mortgage deal, we will also recommend relevant insurance to protect you.
A benefit when you do go with Leedsmoneyman and have a mortgage advisor in Leeds work for you. Our service is tailored to the customer and we work for you with your best interests at heart.
Like with a lot of mortgages and especially self-employed ones, the criteria can differ depending on the lender.
Our expert mortgage advisors in Leeds aim to match you with the most appropriate lender that works well with your personal circumstances. Our aim is to get this right the first time!
With the tailored made service, we will work hard in finding you the mortgage deal that suits your personal and financial situations.
We have a rich experience in dealing with a lot of limited company owners, sole trader, partners that have a salary, dividends or both. Our team try and help those who are really in need of support getting a mortgage through providing open and honest mortgage advice.
It’s common that every high street mortgage lender will use their in-house credit scoring system when deciding if customers are eligible to take out a mortgage with them. The credit scoring system is usually based on the mortgage lender’s history and experience as a mortgage lender within the industry.
Lenders will look at historical data of mortgage repayment statistics as well as any information on repossession and other common patterns so they can determine what would be high-risk when lending. By doing this, the lender can save time and money, however, can become a setback within a self employed applicants journey to their dream home.
Over time, it might have been common for lenders to find self employed applicants fall into arrears compared to anyone who is a regular employee. A factor to highlight is that employed applicants would usually not have a hard time obtaining a mortgage as self employed applicants would.
You may be aware that most high street lenders in the industry will have very strict lending criteria with a number of them wanting to see your profits increasing over at least 3 years worth of accounts and some wanting a three year average.
It’s always best to be prepared with a good few of years of this evidence even if some lenders don’t require three years. Furthermore, this may increase your chances of getting a mortgage.
Some of our customer get in touch with us after approaching their bank directly looking to obtain a mortgage but unfortunately have found it a challenging experience. This could be due to the following reasons:
Approaching different lenders is something we wouldn’t recommend, especially if you don’t have a lot of knowledge of their lending criteria. By doing this, you could have a detrimental on your credit which could become a risk in you not being able to obtain a mortgage at all.
We have dealt with a number of self employed customers with a variety of different situations and have provided them with open and honest Mortgage Advice in Leeds.
Through our experience working with these types of customers, we have been faced with a range of different scenarios such as:
Read our 268 Reviews
Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
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Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
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