At Teesside Money, we understand the unique challenges self-employed individuals face when securing a mortgage. We know how limited your spare time can be, and that’s where we come in to make the process easier and more efficient.

As independent mortgage advisors, we have access to the whole of the market, allowing us to recommend the most suitable self-employed mortgage options for you. Whether it’s your first mortgage or a remortgage, we take the hassle out of approaching multiple lenders by providing expert advice on the best products for your situation.

With years of experience helping self-employed mortgage clients, we know which lenders to approach, what information they require, and who will offer the best rates. Our specialist knowledge of the Teesside area, along with a dedicated point of contact and personal service, ensures a smooth and straightforward process from start to finish. Contact us today to get the ball rolling.

Limited Company Director Mortgages

Company director mortgages can vary greatly between lenders, and you may have already discovered how complex this process can be. Whether you’ve been trading for under 12 months or longer, Teesside Money works with a range of lenders to find the best solution for you.

Contractor & Consultant Mortgages

Contractors and consultants often face difficulties when applying for mortgages for contractors due to being paid on a daily or weekly rate rather than having a regular salary. Traditional mortgage lenders may struggle to assess income, making it harder for contractors to secure financing. At Teesside Money, we offer tailored mortgage financing for self-employed individuals like contractors, guiding you through every step of the application process. Our expert advisors understand the complexities of your income structure and work with a wide range of lenders who specialise in providing mortgages for contractors, ensuring that you get the most suitable deal for your unique financial situation. Whether you’re a first-time buyer or looking to remortgage, we make the process as simple and stress-free as possible.

Sole Trader & Partnership Mortgages

As more people turn to self-employment, securing a mortgage as a sole trader or partnership can seem daunting. If you’re registered as self-employed and unsure where to turn for mortgage advice, Teesside Money can provide the guidance you need.

Professional Mortgages

If you’re a Doctor, GP, Teacher, Accountant, Architect, Civil Servant, or Solicitor, Teesside Money offers expert advice and mortgage solutions tailored to your profession. Get in touch with us to explore your options for self-employed mortgages in more detail.

Subcontractor & CIS Worker Mortgages

If you work in the construction industry under the CIS scheme, you may find that many lenders do not offer CIS scheme mortgages. At Teesside Money, we work with lenders who understand the needs of construction industry workers and are willing to accept CIS mortgage applications.

Freelancer Mortgages

If you’re a freelancer in professions like copywriting, journalism, authoring, illustration, marketing, web development, or any other freelance profession, we can help you secure the best mortgage for self-employed individuals. Teesside Money understands the complexities of freelance income and is ready to offer the support you need.

Benefits of Working with Teesside Money

Specialists in the Teesside Area

Our offices in Teesside are ideally located to assist self-employed individuals looking for a mortgage or remortgage in the whole of the Teesside and North East regions.

Local Advisors, No Passing Leads

At Teesside Money, all mortgage applications are handled locally by our dedicated team of Mortgage Advisors at our Teesside office, ensuring you receive the highest level of personal service.

Personal Service

Our experts take the time to understand the complexity of your self-employed mortgage needs and income streams. We work with you every step of the way to ensure you get the best mortgage options available.

Dedicated Point of Contact

When you choose Teesside Money, you’ll have a dedicated point of contact who will manage your application from start to finish, saving you time and effort.

Face-to-Face Meetings

Securing a mortgage is one of the biggest financial commitments you’ll make. Unlike other brokers, we are always available for face-to-face meetings, providing updates on your mortgage application and offering personalised advice.

Some of the other services we offer include mortgage protection insurance, short term lending, and second charge mortgages, all designed to meet your unique financial needs.

Frequently Asked Questions

  1. Can I get a mortgage if I’m self-employed?
    Yes. Lenders accept self-employed applicants (sole traders, company directors, contractors) with stable, provable income.
  2. How do I apply for a mortgage when self-employed?
    File recent tax returns early, check your credit reports, build a budget, and work with a broker who understands self-employed cases.
  3. How many years of accounts do I need if I’m self-employed?
    Most lenders want 2–3 years of accounts, but some may accept 1 year if you have strong credit and a good deposit.
  4. Can I use my company’s net profit as income if I’m self-employed?
    Yes, some lenders accept salary plus net profit, ideal if you’ve retained profits instead of drawing dividends.
  5. As a self-employed day rate contractor, can I use my day rate income?
    Yes, many lenders will base your income on your contract day rate.
  6. I’m a self-employed sole trader or LTD company director — can I get a mortgage?
    Yes, lenders accept declared income from sole traders and directors much like they do with employed applicants.
  7. How much can I borrow if I’m self-employed?
    Typically 4 to 5.5× your verified income (profit or salary + dividends), depending on your credit, deposit, and stability.
  8. Can I get a mortgage with only one year of self-employment?
    Yes, some lenders will work with just 1 year of accounts if profits are strong, you have industry experience, and a solid deposit.

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