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Self-employed mortgages

Being self-employed shouldn’t prevent you from getting a mortgage

Whether you’re looking for a freelance, small business, or contractor mortgage, our specialist self-employed mortgage brokers know the market inside out and will find the best deal for you, based on your day rate or previous year’s Self Assessment.

Call us today on 01273 715885 for your free mortgage consultation, or you can leave your details and we’ll get in touch.

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What we offer

Your own personal advisor

Our specialist self-employed mortgage advisors will take the time to fully understand your circumstances.

Access to the whole market

We can work with any lender to find you the perfect mortgage with exclusive deals.

Superfast offers

In most cases, we can offer a Decision in Principle in as little as an hour.

Mortgage Monitor service

Crunch Mortgage Monitor is a free service that checks every day to see if you could save money on your mortgage.

Help for first-time buyers

Your own, dedicated advisor will guide you through the whole process and help you to secure your first time buyers mortgage.

Remortgage deals

If you’re coming to the end of a discount period or simply want to switch to a better deal, we’ll find a great mortgage for you.

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Go to your bank if you dare

Not long ago, going to your bank for a mortgage was your first option. Nowadays, it should be your very last option. Typically, banks don't have the qualified staff to understand your complex income. Speaking to a Crunch Broker is definitely better. You’ll be able to speak with someone who will understand your income, advise on every lender in the market and cut the long waiting times.

Time saving with a Broker

Within the first 10 minutes on the phone to a Crunch Broker, we will already have an idea of what you can achieve with us. We can quickly start working on your decision in principle. No appointments needed. No queuing up outside a branch for ages. Just call us and you’ll be amazed at how easy we can make it for you.

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Access to the whole market

Crunch Mortgages is an independent whole of market mortgage broker.  What does this mean for you? Put simply, we are directly regulated by the FCA - we always follow best practice for our clients and can advise on every lender in the country. 

With over 30 year experience in the market, lenders call us first with new or upcoming deals. As a Crunch client, you’ll have access to them all.  If you want access to the entire market then you should call Crunch Mortgages right away.

1hr Decision in Principle

Typically, banks will take weeks to meet you. Whilst, brokers will take weeks to find out what you can borrow. Thankfully, Crunch Brokers can tell you within minutes if you are eligible for a mortgage, and a decision in principle within the hour. You’ll then be free to find your property and make an offer.

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Mortgage Monitor - Eyes on the best mortgage/s for you! LIVE!

The comfort of knowing that there is someone looking out for your 24/7. You’ll receive regular emails such as the current value of your property, mortgage deal you have and your loan to value. We can tell you exactly how much you can save by making a switch and give you access to your Crunch Broker, who’s ready to take your instructions. Let us be your lighthouse by signing up now.

Find the perfect mortgage for you

If you’re self-employed and have had trouble getting a mortgage, don’t despair. These are the different mortgages available to you…

Fixed rate mortgages

There are a variety of self-employed and contractor mortgages that can work for you. Keep your repayments stable and predictable with a fixed rate mortgage, which typically allows you to freeze the interest rate on your repayments for between one and five years.

If the Bank of England’s base interest rate rises you won’t be affected – however you also won’t be able to take advantage of any interest rate reductions.

Full repayment mortgages

With a variety of accreditations and different professional backgrounds, our accountants are passionate about helping your business. We’re not your typical accountancy firm - we’re dedicated to sole traders and small businesses clients across the UK. With a whole team to support you as a self-employed sole trader, we’ll guide you through claiming all the right expenses, filing your Self Assessment, and managing your business accounts. As your business grows, we can advise on how to be more tax-efficient and whether a different business structure, such as a limited company, could be a better way to work.

Interest-only mortgages

Our superhero client managers will be on hand to make sure you get the most out of your online accounting software. We’ll make sure you’re correctly registered for all business taxes, National Insurance, and even VAT Registration, and we’ll take care of HMRC for you. We’re dedicated to helping our clients grow their businesses and manage their taxes.

Tracker mortgages

Our superhero client managers will be on hand to make sure you get the most out of your online accounting software. We’ll make sure you’re correctly registered for all business taxes, National Insurance, and even VAT Registration, and we’ll take care of HMRC for you. We’re dedicated to helping our clients grow their businesses and manage their taxes.

Great deals for Crunch members

If you’re a Crunch client then you’ll benefit from discount of up to 15% on our broker fees. Even if you’re not a client, don’t worry - we offer Crunch Chorus members 10% off our broker fee, plus there is no fee for providing accounts to evidence your earnings for the lender.

Crunch Chorus is our free community for the self-employed, with jargon-free guides, videos, discounts and tools.

Sign up to Crunch Chorus for free

Why self-employed homeowners love us

Milind Barve

January 24, 2022

One of the best online accountants. I ran two Limited Companies with Crunch. An amazing experience, I would definitely recommend.

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Annie Munday

January 24, 2022

Crunch are fantastic. Always there to support you, which is especially useful when you are a new business owner. Super fast and reliable service.

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Rob

January 21, 2022

Crunch has always provided me with a great service. I have repeatedly recommended them to my friends.

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Got questions about mortgages? We’ve got the answers.

E-Crunch Ltd t/a Crunch Mortgages is an appointed Representative of Seico Insurance & Mortgages Ltd for mortgage broking purposes. Seico Insurance & Mortgages Ltd is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 300024.