Not every mortgage application is straightforward. If you’re self-employed, a contractor, a company director, or have a history of adverse credit, you may face extra challenges securing a mortgage. At Mortgages Check, we specialise in helping clients with complex situations. With access to a wide range of lenders, we can identify solutions that mainstream banks often overlook. Our advisers provide clear guidance and reliable support, ensuring you understand your options and secure a mortgage that truly fits your needs.

Self-Employed Mortgages 

For the self-employed, proving affordability can be more complicated than for those with a fixed salary. Lenders may require several years of accounts or tax returns, which can feel restrictive if your income varies.

At Mortgages Check, we work with lenders who understand self-employed applicants and assess applications more flexibly. We’ll guide you on:

• Documentation required, such as SA302s, tax year overviews, or company accounts.

• How lenders assess average versus most recent year’s income.

• Specialist lenders who consider retained profits or rising earnings trends.

• Options for those with less than two years’ trading history.

Being self-employed shouldn’t stop you from owning a home. We’ll help you find lenders who look beyond standard criteria, giving you access to mortgages that reflect your actual financial position.

Company Directors 

Company directors often face challenges when applying for a mortgage, as many lenders only look at salary and dividends rather than total business profits. This can underestimate true income and reduce borrowing potential.

Mortgages Check helps directors secure mortgages that consider the bigger picture. We’ll support you with:

• Lenders willing to consider retained profits within the company.

• Options for directors taking a low salary and dividend combination.

• Flexible assessments based on your shareholding and company performance.

• Guidance on documents required, such as company accounts and SA302s.

With our whole-of-market access, we’ll ensure your borrowing capacity reflects your actual income and business success. This allows you to secure the mortgage you need without being unfairly restricted by traditional criteria.

Contractor Mortgages

Contractors, whether working in IT, construction, or other fields, often find lenders reluctant due to the perceived uncertainty of short-term contracts. However, specialist lenders take a more realistic view.

At Mortgages Check, we work with lenders who consider:

• Day-rate income extrapolated into an annualised figure.

• Contract length and history of renewals or extensions.

• Industry demand and stability of your role.

• Options for those who recently switched from permanent employment.

We’ll help you prepare the right documentation, such as contracts, invoices, or proof of continuous employment. With the right advice, contractors can secure competitive mortgage deals that reflect their actual earning power.

Adverse Credit Mortgages

Past financial difficulties don’t mean homeownership is out of reach. Whether you’ve had missed payments, defaults, CCJs, or even bankruptcy, there are lenders willing to consider your application.

Mortgages Check specialises in adverse credit cases, helping clients rebuild and move forward. We’ll explore:

• How recent the adverse credit issues are.

• The severity and type of issues (missed payments vs CCJs or IVAs).

• Lenders who offer products specifically for those with credit challenges.

• How larger deposits or strong current financial stability can improve options.

While rates may be higher initially, many clients use adverse credit mortgages as a stepping stone. Over time, as your credit record improves, you may become eligible for more competitive deals. We’ll support you through this journey and ensure you have access to the best options available.