Keith was able to explain what my best options were, and wasn’t at all pushy. I’ll definitely be contacting Pinpoint again in the future for all of my Commercial Finance…
Keith Humphreys
Keith was always approachable, knowledgeable, and went the extra mile to ensure we had the right products and full clarity at every stage.
Very impressive service, no messing about with questionnaires. Straight forward and honest appraisal. Thank-you very much Keith for all you did. I will recommend your service to friends and family.
Keith has been amazing from our first contact. Listening and advising what was the best deal for me. Really happy with the service and would highly recommend to friends and…
Keith and his team have done a fantastic job at helping us buy our house. He found us the best mortgage available that suited our budget and did everything he…
Fantastic experience with Keith at Pinpoint. I have previously used mortgage brokers and found Keith has taken this business to a different level. Very professional, efficient and so easy to…
A special thanks goes to Keith, whose advice and expertise throughout the process have been nothing short of excellent.
Excellent service from Pinpoint. They are very responsive. They are highly knowledgeable and professional but equally they take a very human approach, have excellent people skills and treat you as…
Great service helping to source suitable finance for a complicated portfolio
Great customer service. Very much appreciated the way Keith helped in pushing things through at each stage to a successful completion.
5 Stars!
Keith was very supportive and helpful especially when we had a bit of complicated issue to sort out. He was on the ball and got it sorted.
Have used Pinpoint Finance several times now. Keith and the team once again offered great advice and help throughout. Would highly recommend!
Keith was really efficient, great communication and resolved a complicated issue with my mortgage. I would highly recommend his services.
Great service- so quick and very helpful
Fantastic service, I highly recommend.
We’ve recently worked with Pinpoint Financial Services for support with buy-to-let mortgages and couldn’t be more pleased with the service provided.
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
What stood out most was the high level of communication and prompt response times – both of which are crucial when dealing with financial matters.
Contacted Keith at Pin Point Finance. The call was answered promptly and Keith was friendly and approachable. He listened to my circumstances and gave advice in a way I could…
Very helpful & informative with information & answers to questions
Excellent. Made the whole process much easier than I thought. Thank you.
Fantastic service very professional halved my Morgage repayments very happy
Great experience with PinPoint Finance- highly recommend!
We look forward to working with Pinpoint Financial Services for many years to come. Thank you again, Keith – wishing you and your team all the very best for the…
Pinpoint Finance sorted remortgage for me. It was not easy task as i was in India but Keith on my behalf got things moving and eventually got it done.
From start to finish i have been very pleased with the way Keith handled my case. He kept me informed all the way so I didn’t have to worry about…
Being your own boss shouldn’t make it harder to own your home. At Pinpoint Finance, we help sole traders, freelancers, contractors, and company directors secure self-employed mortgages from our base in York.
Our experienced residential mortgage brokers understand what lenders look for, and we work to match you with mortgage products that meet your income structure and documentation. From guidance on self-employed mortgage requirements to access to flexible lenders, we’re here to make your application process clear and successful.
What is a Self-Employed Mortgage?
A self-employed mortgage is simply a standard residential mortgage with additional scrutiny around income verification. The application process can be more detailed, but the outcome – owning a home – is the same.
We help clients who are:
- Sole traders with 1+ years of trading history
- Limited company directors using salary and dividends
- Freelancers or contractors with variable income
- Recently self-employed but with strong financials
Whether you’re purchasing your first home, moving house, or refinancing, we’ll help you navigate the mortgage market with confidence.
What are the Requirements for a Self-Employed Mortgage?
To apply, most self-employed mortgage lenders typically ask for:
- 1–3 years of trading history
- SA302s or tax year overviews from HMRC
- Business accounts or accountant’s reference
- A good credit record
- Proof of deposit (often 10%–20%)
We also assist in explaining any income anomalies and ensure your application is structured to satisfy lender criteria.
Are Self-Cert Mortgages Still Available?
Self-cert mortgages, where borrowers declared income without evidence, were withdrawn from the UK market in 2014 due to responsible lending regulations.
Today, all lenders must verify income. However, some providers specialise in more flexible underwriting for self-employed applicants. That’s where working with a self-employed mortgage advisor like Pinpoint Finance proves valuable – we know which lenders assess applications on a case-by-case basis.
Why Choose Pinpoint Finance for Self-Employed Mortgage Advice?
Our residential mortgage brokers in York have an abundance of experience in making home ownership achievable for business owners. Whether you’re applying for the first time or exploring self-employed remortgage options, our team of qualified residential mortgage brokers offers:
- FCA-authorised advice from experienced professionals
- Market access to specialist and mainstream self-employed mortgage lenders
- Clear guidance with minimal jargon
- Transparent, responsive service
- York-based with national reach
We’ve helped countless clients across the UK secure homes on their terms. Don’t let paperwork stand in the way of your future.
FAQs About Mortgages for Self-Employed People
Most lenders ask for at least two years of trading. However, some may consider one year with strong profits and a solid projection from an accountant.
Yes. Lenders may average income across two or three years or assess the most recent year if your business is growing. We help position your income profile in the best light.
Not necessarily. If your credit and financials are strong, you can access competitive rates similar to employed applicants. The key is documentation and lender match.
Get Self-Employed Mortgage Advice from Experts in York
Getting a mortgage when self-employed doesn’t have to be complicated. Let Pinpoint Finance provide expert advice, guide you through lender requirements, and support your application from start to finish – wherever you are based in the UK.
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