Helping a Self-Employed Client Secure A Better Mortgage Deal For Their Office Space.
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Our client, a self-employed marketing consultant, had been running their own business for over 6 years. They approached us ahead of their fixed-rate mortgage ending, looking for clarity on the best next steps. With fluctuating income and a mix of retained profits and dividends, they were concerned about how lenders would view their situation – especially as the mortgage was for the office space they worked from day to day.
Like many self-employed individuals, our client wasn’t sure how mortgage lenders would assess their income – particularly after a slower trading year. They had previously gone direct to a bank, but were turned away due to inconsistent earnings. On top of that, they were unsure whether to remortgage, do a product transfer, or explore something else entirely.
We carried out a full review of their mortgage and income position, including tax returns and business accounts. By clearly presenting their average earnings over two years – and explaining the context of the quieter trading period – we found a lender who understood the self-employed journey.
✔ We secured a new 5-year fixed-rate mortgage at a significantly better rate than their lender’s standard offer.
✔ We avoided unnecessary stress or paperwork by handling all communication directly with the lender.
✔ We made sure the new deal was flexible enough to support their business goals – and their workspace – over the coming years.
Self-employed clients often face extra hurdles – even when they’re financially secure. This case proves that with the right advice and presentation, remortgaging doesn’t have to be a headache. Our client now has a mortgage that reflects their situation and supports their future plans – and they’ve already referred two fellow business owners our way.
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