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As an open & honest mortgage broker in Leicester, we understand that for a lot of self employed applicants who are looking to obtain a mortgage can have quite a tough time in actually doing so.
Whether it’s the difficulties involved in trying to meet different lender’s criteria, or complications in proving the income that you earn to the lender, we know that oftentimes it can be more challenging for a self-employed applicant than a regular applicant, usually requiring additional support from a mortgage broker.
The truth is that in these situations, everyone applying for a mortgage would love to be treated the same as any other customer, however, lenders need to have complete confidence that as a self employed mortgage applicant, you are absolutely able to afford your potential mortgage payments.
The mortgage lender will analyse various different factors when determining whether or not they will lend to you. These include:
As a self-employed mortgage broker in Leicester, we have access to thousands of unique and tailored self-employed mortgage deals. Once your mortgage advisors in Leicester finds the perfect one for what you are looking to achieve, we can start taking a look at how to prepare for your mortgage application.
Always make sure that you remember that as a self-employed mortgage applicant, the key difference between you and a regular employed applicant, is how you evidence your income to the lender. So long as you are sufficiently able to evidence everything that they need to see and remain honest to both us and the mortgage lender, you will hopefully be in a much better place to run through the process smoothly and achieve mortgage success.
Our advisors work every day of the week from early until late, always on hand to speak to customers at a time that suits them and their personal life. Make use of our online appointment booking system and get yourself booked in for a free initial mortgage appointment with a dedicated and trusted mortgage advisor in Leicester, with various time slots to choose from, subject to availability.
It’s common to require a minimum of two years of self-employment history, as most lenders prefer to see evidence of this timeframe. Some self employed lenders might consider just one year, but for the majority of high street lenders, a minimum of two years’ accounts is necessary.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Feel free to discuss your unique situation and mortgage aspirations with our dedicated mortgage advisor in Leicester.
During this free initial appointment, our expert will carefully review your tax year overview and tax calculations to determine your maximum affordability.
Rest assured that our team will meticulously scour through thousands of mortgage products to identify the most suitable deal tailored to your specific circumstances.
Once we find the ideal fit, we’ll provide you with a mortgage agreement in principle, bolstering your offers with solid backing.
After your purchase offer gets accepted, our mortgage advisor in Leicester will handle the submission of your full mortgage application along with all the necessary evidential documents to your chosen lender.
Throughout the entire process, a dedicated case manager will keep you informed and updated until you receive the official mortgage offer, finalising your purchase.
But our services don’t end there. Beyond securing you the most suitable mortgage deal, we go the extra mile by recommending relevant insurance options to safeguard your interests.
Moreover, we’ll stay in touch to remind you of your mortgage renewal date, ensuring you always remain on the most favorable deal available.
Your financial well-being is our top priority, and we’re committed to supporting you every step of the way.
If you are looking at your options for purchasing a new property as a self-employed applicant, or are an existing self-employed homeowner looking to remortgage a home, please book a free initial mortgage appointment to speak with one of our trusted member of our team today.
Across our duration as a mortgage broker within the industry, we have gained a lot of experience in helping various limited company owners, sole traders, business partners that receive a salary, dividends or a mixture of both, in their quest to obtain a mortgage on a property. We use our in-depth mortgage knowledge to find solutions for those who are truly in need of a mortgage advisors’ assistance.
We are able to use our expertise of the mortgage industry to find the most suitable mortgage for your circumstances.
Lending criteria will be greatly different depending on which lender you are matched up against, especially when it comes to self employed mortgages. Our mortgage advisors in Leicester always strive to make sure that with their hard work and dedication, you are appropriately matched up with the most suitable mortgage lender for your situation. It’s our goal to always get our decision right first time!
We work only for our customer, providing them with a tailored mortgage advice in Leicester seven days a week to provide a service that is in line with what they’re looking to achieve. We will always have your best interests in mind.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 32 Reviews
Leicestermoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leicestermoneyman 2009–2026
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Leicestermoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leicestermoneyman 2009–2026
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