Mortgage applications

Simplifying the mortgage process for you.

While HMRC and the Council of Mortgage Lenders have worked to simplify the process of applying for a mortgage for self-employed individuals, there is still no consensus on what lenders will ask. Certain combinations are more advantageous for you than others, depending on your circumstances. Our clients ask us for many different combinations of information depending on the lender they are dealing with.

Furthermore, the decisions made to reduce the tax due often work against you when you apply for a mortgage. It is essential that you plan ahead in this area of your life and business overlap. You should definitely discuss your plans to apply for a mortgage with us before your accounts and tax return are submitted, as this may affect how certain items are treated.