Self Employed Mortgages
Watford
Mortgage advice covering self-employed. Self Employed Mortgages charges a broker fee.
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About Self Employed Mortgages
Self Employed Mortgages is a UK mortgage broker based in Watford. Its website describes mortgage advice for self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Self Employed Mortgages records one area of mortgage advice on MortgageMatch: self-employed. The firm is listed in Watford.
A single recorded area does not necessarily mean a narrow practice — it may just be what the firm chose to list. Ask what else Self Employed Mortgages handles.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Self Employed Mortgages
Tailored to this listing.
- 1You list self-employed — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4Do you see clients at your Watford office, or is this handled by phone and video?
Getting in touch with Self Employed Mortgages
Self Employed Mortgages lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does Self Employed Mortgages charge a fee for mortgage advice?
Yes. Self Employed Mortgages is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete.
What types of mortgage does Self Employed Mortgages handle?
Self Employed Mortgages records self-employed, working from Watford. Ask anyway if your case sits outside that list.
Does Self Employed Mortgages work with self-employed borrowers?
Yes — self-employed lending is one of the areas Self Employed Mortgages lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Self Employed Mortgages only cover Watford?
Self Employed Mortgages is listed in Watford, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Watford on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.