How Evermore Mortgage Brokers Can Help Low Deposit Clients
Being self-employed comes with its own unique set of rewards and challenges, particularly when it comes to securing a mortgage. At Evermore Mortgage Brokers, we specialise in helping self-employed individuals navigate the often complex world of mortgage applications, ensuring you get the financial support you need to purchase your dream home. Whether you’re just starting out or have been running your business for years, we are dedicated to helping you secure the right mortgage—even if you have only one year of accounts. We’ve got a handy blog you may wish to read too.
Understanding the Challenges of Securing a Mortgage as Low Deposit
Self-employed individuals may face difficulties that traditional employees do not. Lenders often have additional requirements, typically seeking several years of financial records to assess your income stability. This can make finding a mortgage seem daunting. However, at Evermore Mortgage Brokers, we believe that your entrepreneurial spirit shouldn’t hold you back from home ownership.
How We Can Help You Secure a Mortgage
Our experienced team understands the ins and outs of the mortgage landscape for self-employed clients. Here’s how we can assist you:
1. Expert Knowledge of Lender Requirements – Navigating mortgage qualifications can be tricky. Our team is well-versed in the specific criteria that lenders look for when assessing self-employed applicants. We will:
TIdentify Suitable Lenders: Many lenders are willing to consider self- employed individuals with just one year’s worth of accounts. We’ll connect you with those lenders and help you understand what they need.
Tailor Your Financial Profile: We can help you compile and present your financial documentation in a way that highlights your earning potential and mitigates risks in the eyes of lenders.
2. Simplifying the Application Process – Applying for a mortgage can feel overwhelming, especially for self- employed individuals. We’re here to make it easy for you:
Comprehensive Document Preparation: Our team will assist you in gathering all necessary documentation—from your business accounts to your personal finances—ensuring you have everything in order for your application.
Direct Support Throughout: We’ll liaise directly with lenders on your behalf, keeping you informed and supported so you can focus on what matters most: running your business and looking forward to your new home.
Ongoing Guidance and Support
At Evermore Mortgage Brokers, we’re committed to being your partner, not just during the application but throughout your mortgage journey:
Regular Check-Ins – Once your mortgage is secured, we won’t leave you in the lurch. We’ll schedule periodic reviews to assess your financial situation and explore opportunities for re-mortgaging or refinancing when the time is right.
Market Insights – We’ll keep you updated with market trends and potential changes in lending criteria, ensuring you’re always in the best position to make informed decisions.
Why Choose Evermore Mortgage Brokers?
- Expert Knowledge - Our team has extensive experience helping first-time buyers in the UK property market. We know the challenges you face and are here to help you overcome them.
- No Upfront Fees - We believe in offering our initial consultation without any upfront costs. You can seek advice and guidance without the pressure of hidden fees.
- Client-Focused Approach: We pride ourselves on building relationships built on trust and transparency. Your success is our success, and we're dedicated to providing the highest level of service.
Start Your Journey Today!
Are you ready to take the first step towards homeownership? At Evermore Mortgage Brokers, we’re committed to making your journey as smooth and enjoyable as possible. Let us be your trusted partner in navigating the mortgage process.
Contact us today to schedule your free consultation and discover how we can help you turn your dream of owning a home into reality. Your ideal home is within reach, and we’re excited to help you get there!
