At CRC Mortgages, we understand that being self-employed or operating as a sole trader in Liverpool presents unique challenges when it comes to securing a mortgage. We specialise in providing clear, personalised mortgage advice and broker services specifically tailored for sole traders and self-employed individuals living in and around Liverpool.
Working with a knowledgeable mortgage broker who understands the complexities of the self-employed market is essential. With changing lender criteria and varying business structures, it helps to have expert support to navigate mortgage applications effectively. Our experienced mortgage advisors in Liverpool will guide you through every step, helping you secure a mortgage that suits your circumstances as seamlessly as possible.
Mortgage Advice Specifically Tailored for Self-Employed in Liverpool
Securing a mortgage as a sole trader or self-employed professional often requires providing lenders with more detailed evidence of income compared to employees on a standard payroll. Lenders typically require proof of income that may involve tax calculations, accounts, and tax year overviews. At CRC Mortgages, we fully understand these unique requirements and work closely with you to ensure your application clearly demonstrates your financial reliability and income stability.
As recognised Liverpool mortgage brokers, we regularly help sole traders, freelancers, contractors, and directors find mortgage solutions tailored to their financial circumstances. Whatever your occupation, we are here to help make your property-buying journey run as smoothly as possible.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £449 to £699 and this will be discussed and agreed with you at the earliest opportunity.
If you would like to speak with an adviser,
please contact us below.
Remortgaging for Self Employed (Sole Traders) in Liverpool
If you’re currently working as a sole trader or self-employed person in Liverpool and considering remortgaging your property, our team can provide tailored advice to support your remortgage journey. Whether you’re looking to release equity, consolidate debts or improve your current interest rate, remortgaging presents opportunities worth exploring. Our Liverpool-based mortgage brokers are familiar with the criteria lenders apply specifically to sole traders and the wider self-employed community.
Think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Our advisors work closely with you and take time to fully understand your goals, ensuring that the remortgage options we present align carefully with your future financial plans and lifestyle needs.
Why Choose Our Mortgage Advisors in Liverpool?
Choosing CRC Mortgages gives you access to mortgage brokers who truly understand the Liverpool housing market and how lenders view self-employed or sole trader applications. Our experienced team is committed to delivering outstanding customer service and providing clear, jargon-free mortgage advice to make the process as straightforward as possible.
- Experienced mortgage advisors with specialised knowledge of self-employed criteria
- A personal approach tailored to your individual financial circumstances
- Clear and honest communication throughout your mortgage application process
- Local expertise, ensuring advice relevant to Liverpool and its surrounding areas
We remain by your side at every stage, available to answer your queries, provide reassurance, and address concerns promptly. We aim to simplify the process, guiding you through each stage clearly and transparently.
Mortgage Broker for Sole Traders in Liverpool – How We Can Help
As self-employed individuals, sole traders often face specific obstacles in mortgage applications. Our brokers in Liverpool regularly assist clients who’ve encountered roadblocks or uncertainty when approaching mortgage lenders directly. We take pride in helping sole traders across Liverpool to secure mortgages tailored specifically to their professional status and unique income structures.
Our mortgage advisors have access to a wide range of mortgage options and lender criteria uniquely suited for self-employed applicants, and we will always strive to help you find competitive, suitable mortgage products.
Frequently Asked Questions
Can sole traders in Liverpool get a mortgage?
Yes, sole traders and self-employed individuals in Liverpool can certainly secure mortgages. Lenders will commonly require more detailed proof of income, usually your tax calculations and tax year overviews, so preparing these documents early is beneficial.
How many years’ accounts do I need as a sole trader for a mortgage?
Most lenders typically request at least two or three years of accounts or tax returns to assess your self-employed income. However, some lenders may consider applicants with less trading history depending on individual circumstances.
Do mortgage lenders accept fluctuating income from sole traders?
Yes, lenders understand that self-employed incomes can fluctuate. They often calculate affordability based on average income over a certain period. Our mortgage brokers can help clearly present your financial information to lenders, improving your chances of approval.
What documents do sole traders in Liverpool need to apply for a mortgage?
Sole traders typically need to provide documents such as tax calculations (SA302s), tax overviews, bank statements, and possibly accountant-certified financial statements. Our Liverpool advisors will clearly explain all the necessary documents required to simplify your application process as much as possible.
If you’re self-employed or a sole trader residing in Liverpool and have questions about mortgage options, contact CRC Mortgages today. We look forward to helping you secure a mortgage solution designed specifically around your individual circumstances as efficiently and straightforwardly as possible.