Personal Mortgages

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How Rawcliffe & Co Can Help

Whether you’ve already faced these challenges or are just beginning your mortgage search, Rawcliffe & Co can help connect you with specialist mortgage advisers who understand your situation.

We work closely with professionals experienced in securing mortgages for:

  • Contractors and freelancers

  • Limited company directors

  • Sole traders with irregular income

  • Those new to self-employment

With the right support, you can access tailored mortgage solutions that reflect your actual earning potential — not just your payslips.

Contact us for more information

Making Mortgages Simple for the Self-Employed

Arranging a mortgage can be more complex when you work for yourself — but it doesn’t have to be.

Due to the nature of self-employment, freelance work, or operating through a limited company, you may not fit neatly into the standard tick boxes on a traditional mortgage application. Many lenders still use conventional models to assess eligibility, which can put self-employed individuals at a disadvantage.

Why It's Challenging

Lenders often view self-employed applicants as higher risk due to:

  • Irregular or tax-efficient income structures

  • A lack of long-term trading history

  • A reliance on dividends, which may not reflect your full earnings

  • Short-term contracts or recent shifts to independent working

Mainstream brokers and lenders typically ask for 1 to 3 years of company accounts or contracts with a minimum 6-month unexpired term, which not all applicants can provide.