Self-employed Mortgages For Skilled Manual Worker |YPF

HOW TO GET A MORTGAGE AS A SELF-EMPLOYED ELECTRICIAN, PLUMBER, OR SKILLED MANUAL WORKER

Get in touch for an initial free, no-obligation chat with an advisor about how we might be able to help you.

Self-Employed Electricians, Plumbers, and Skilled Manual Workers: Get the Mortgage You Need to Buy Your Dream Home

There are numerous ways you can obtain a mortgage when self-employed and depending on your situation, there will be different lenders who can be approached.

What income are you looking to use for your mortgage application is an important question; however, what income the lender chooses to use is even more important, as it may not be the set of figures you were hoping they would look at.

We will help you understand what income you have that is going to be available to use towards your mortgage application and then help you get pre-approved for a mortgage.

WHY CHOOSE US

We understand that self-employed borrowers have unique needs. That’s why we offer a variety of mortgage products and services that are tailored to the needs of self-employed borrowers. We also have a team of experienced mortgage advisors who can help you find the right mortgage for your situation.

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WE’RE EXPERTS IN THE FIELD

Our team of brokers are specialists in helping self-employed individuals get mortgages and can help you understand the most suitable options available to you.

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WE CAN FIND GREAT DEALS AT SPEED

Access to over +70 lenders, so you will get the most suitable rates and terms available with many of these lenders not available on the high street as they’re exclusive to brokers.

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RELATIONSHIP

Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there to answer all the questions you may have.

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RAPID SOLUTIONS

We’re quick, on our first call, we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you. If you prefer to speak face to face we can also arrange a video call.

      EXCELLENT  
   Based on 85 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Adam Drew 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Paul. His knowledge and expertise were invaluable to help me navigate the process as a first time buyer and his advice extended beyond just mortgage applications. I was applying with complex circumstances and Paul always dealt with my with patience, compassion, and consummate professionalism.
  
 
      Posted on Google  
   
   Hollie 
 
 
 
 Trustindex verifies that the original source of the review is Google. I bought my first home in November last year, and had not a clue what I was doing. Paul was amazing in explaining everything step by step, answering any questions I had (there were a lot!) and guiding me through the process. Would 100% recommend going through him!
  
 
      Posted on Google  
   
   Tobias Robinson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul from YourPropertyFinancial was an incredible help to my partner and I as first time buyers. From our initial approach in early '24, through to our making an offer in September and completion early this year,  Paul was diligent and attentive, keeping everyone involved (including us) to every deadline and as accurate as possible. Would highly recommend.
  
 
      Posted on Google  
   
   Tone 
 
 
 
 Trustindex verifies that the original source of the review is Google. We found Your Property Financial to be very professional, helpful, reassuring and very supportive. As first-time buyers we had our worries because of our lack of knowledge of the process of buying a house but Your Property Financial took their time to explain everything to us clearly on every step of the way, which alleviated any worries, and they found us a fantastic mortgage deal. The follow up calls have been very much appreciated, as has the great advice they've shared with us on this journey. Recommended.
  
 
      Posted on Google  
   
   Lewis Pick 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul has been extremely helpful throughout the process of buying our first house, he has taken the time to explain all of the steps. We felt supported throughout and couldn't recommend them enough.
  
 
      Posted on Google  
   
   Laura Chola 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul is great. We never went through home buying process before, so it was all very new to us, but he guided us through the whole thing, he helped much more than he needed to and stayed with us until the end of the transaction. Paul will do anything he can to work in your interest, which unfortunately is rare nowadays. Side note - our mortgage got approved within 3 days! He really knows what he’s doing! Thanks Paul!
  
 
      Posted on Google  
   
   Laura Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul has been incredibly reassuring, professional, and knowledgable throughout our first-time property buying experience-  I would highly recommend their service to anyone!
  
 
      Posted on Google  
   
   Dean Sayer 
 
 
 
 Trustindex verifies that the original source of the review is Google. From first enquiry to completion, Paul has been amazing. He gave really great advice and lead the way through what is usually one of the most stressful experiences anyone can go through. Paul was always prompt, reassuring and extremely knowledgeable and stayed with us right to the very end. I would not hesitate to recommend Your Property Financial to anyone.
  
 
      Posted on Google  
   
   Allison Sharp 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly professional service provided to a first time buyer/busy professional services advisor with patience, empathy and flexibility where rescheduling was required due to work commitments, in a complex divorce situation. Paul clearly outlined options, and continuously supported with unprompted chasers of solicitors, mortgage brokers and insurers throughout the process (including chasing GPs for medical reports required by insurers for several months) and proactive reminders on tasks / check-ins to align on status throughout the process - I can't recommend Paul/YPF enough. Thanks Paul!
  
 
      Posted on Google  
   
   Alex Gallagher 
 
 
 
 Trustindex verifies that the original source of the review is Google. Your Property Financial and in particular Paul Tait are a top class operation. My experience is that regardless of the complexity of the case, Paul is so knowledgeable and well connected and so is always able to find the right options and solutions. Paul is an excellent communicator - always quick to respond and often providing updates. He has connected me to multiple colleagues in his network who have supported on topics from conveyancing to wills. I would highly recommend. 5 stars all day long.

Let’s consider just some of the different scenarios where you will need one of our experienced mortgage brokers to assist you:

a Ltd company director getting a mortgage

Recently changed to Ltd company from Sole trader

If you’ve recently changed from a Sole trader to an Ltd company director, getting a mortgage can be difficult as some lenders can “reset” the typically 2-3 years history and/or evidence required.

However, we have lenders who can ignore this recent change in some cases.

Only 1-year accounts are available

If you’ve recently gone self-employed, you may find it tricky to get a mortgage as lenders typically look for 2-3 years’ history.

However, we have access to lenders who are happy with 1 years set of figures and/or happy to take a view on projected earnings provided by your accountant in some situations.

Benefits of Business Protection Insurance

Latest years earnings less than previous years

A recent change in earnings in the most recent year can be an issue as the lenders will want to understand the reason for the change and could decline for fear the business is not on a stable footing for the future.

We have access, though, to lenders who can look past a recent decline in profits where there is an understanding of why this has happened. I.e Covid-19 etc

Latest set of accounts not ready yet

Most lenders like to see the latest full completed set of accounts to consider a self employed applicant. Often this can be inconvenient as your accounts are completed later in the tax year.

Thankfully though we have access to lenders who can consider your latest set of accounts typically up to 18 months old.

Are you a self-employed electrician, plumber, or skilled manual worker in the UK? Do you dream of buying your own home, but worry that you won’t be able to get a mortgage because you’re self-employed?

The good news is that self-employed mortgages are becoming more accessible in recent years. There are now a number of lenders who are willing to lend to self-employed borrowers, even if they have complex income or irregular income.

If you’re self-employed and thinking about buying a home, here are a few things you need to know:

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Confirmation of what financial years accounts or figures are available currently.

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Considering the different incomes that could be considered such as your taxable earnings or company profit.

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Reviewing the different lenders to make sure you progress with the most suitable option that your broker advises.

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If latest set of accounts can be brought foward to assist where needed then contacting your accountant to discuss options.

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Your mortgage broker will then apply to the lender and work with them on the typically numerous questions they will have about your income and cirucmstance.