Specialised Mortgage Services for Self-Employed Individuals!
Explore mortgage solutions crafted to suit the needs of self-employed individuals. Our experienced advisors help you secure a competitive mortgage deal aligned with your situation, enabling your journey towards homeownership.
Your Path to Homeownership
Unlocking Mortgage Opportunities for Self-Employed Individuals!
Securing a mortgage when you’re self-employed can be more complex due to varying income streams and documentation requirements. But with our Self Employed Mortgage Service, you’re not alone in navigating this process.
At Manuka Money, our experienced advisers specialise in assisting self-employed individuals in finding tailored mortgage solutions. We work closely with specialist lenders, staying current with their criteria and requirements. This insight gives us a competitive edge in presenting your application in the best light possible.
Our goal is to help your application stand out positively to lenders. Through our expertise, you can increase your chances of approval and access exclusive deals available only through intermediaries like us. Trust Manuka Money to guide you toward a mortgage that fits your self-employed situation seamlessly.
Flexible Home Financing for Self-Employed Individuals!
Discover our mortgage solutions designed to accommodate the unique needs of self-employed individuals. Our expert advisors navigate the complexities of self-employed income to help you secure a suitable mortgage. With a deep understanding of the market and access to specialised lenders, we guide you through a seamless application process tailored to your circumstances.
From an award-winning broker
We Rapidly Search Through Thousands of Mortgages to Uncover the Most Competitive Mortgage for Your Circumstances
Expert advice with no upfront fees.
Mortgages from £50,000 to £100 million.
Whole of market access.
Terms from 3 to 40 years.
Adverse and bad credit considered.
Mortgages with 5% deposit available.
Trusted by 100's of homeowners across the UK.
Discover the Insights That Truly Matter!
These real-life experiences offer a glimpse into the world of Manuka Money. Learn first-hand how we've transformed aspirations into reality, providing tailored mortgage solutions and unwavering support.
We were introduced to Carl through a mutual friend, who had worked with him prior to him setting up his own company Manuka mortgages. Our initial enquiry and dealings began early in 2022 as we were at the fact finding stage and needed some advice.
Some months later we got back in touch with Carl as we were ready to push the button on a house.
Carl is a delight to work with, he is friendly and approachable (unlike other brokers I have worked with in the past!) he is throughly professional and extremely efficient. We have no hesitation in recommending his services.
— Stephen B. (Homeowner)
I cannot recommend Carl enough! Absolutely fantastic from the start to the finish of us purchasing our house! We are self employed which made it slightly more difficult but nothing was too much trouble, no matter the time of day Carl was there to put our mind at rest and give us great advice. He was honest from the start about all our options and really did his best to help. We will definitely be using Carl again when we remortgage. Such a lovely yet professional man who will absolutely do his best for you!
— Courtney (Homeowner)
I wanted to get a new mortgage with a more competitive rate of interest and was advised to try Manuka Money by a friend. I am so glad I did! The process was painless and quick, with everything laid out in easy to understand terms.
My options and needs were discussed in detail and I can't fault Manuka Mortgages for a single thing. Not only were all options spelled out for me, I was given first hand accounts of experience with each company and advised on the basis of that who would be best to go for. The entire time I was speaking to the same person, I did not feel like I was being passed from pillar to post but was given a bespoke experience.
I will recommend this company to absolutely anyone who asks me for mortgage advice.
— Mr King. (Homebuyer)
Frequently Asked Questions
Can I qualify for a mortgage if I'm self-employed?
Yes, you can! While self-employed individuals may face stricter criteria, our experienced advisors specialise in helping self-employed individuals secure mortgages. We work with lenders who understand your unique financial situation and can offer competitive deals.
Do I need to provide extra documentation as a self-employed applicant?
Self-employed applicants often need to provide additional documentation, such as tax returns, business accounts, and proof of income. Our advisors will guide you through the required paperwork and help you present your financial situation in the best possible light.
Why should I use a mortgage broker for a self-employed mortgage?
Utilising a mortgage broker, like us, can greatly improve your chances of finding the right mortgage deal. We have access to a panel of specialist lenders who offer exclusive deals not available to direct applicants. Our expertise ensures your application stands out to lenders, increasing your chances of approval.
Representative Example for secured loans: based on borrowing £18,000 over 120 months. Interest Rate: 5.5% fixed for 60 months with instalments of £213.33. Followed by 60 months at the lenders standard variable rate of 5.7% with instalments of £214.36. Fees: Broker fee (£1,062); Lender fee (£595). Total amount payable £25,756.4 comprised of; loan amount (£18,000); interest (£6,004.4) including broker fee and lender fee. Overall cost of comparison 7.902% APRC. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender.
Secured Loans have a minimum term of 36 months to a maximum loan term of 360 months. Maximum APRC charged 29%.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.
If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.