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As a self employed applicant, you may find it challenging to get a mortgage because of the austere lending criteria and difficulty proving your reliable income.
When you go through the process, you will be required to provide a variety of evidential documents to prove your income. Document requirements vary by lender. Many ask for two years of accounts or tax calculations and tax year overviews, while some may consider a shorter trading history. Bank statements may also be required. Many will also look at your net profit to see whether you are a suitable applicant or not.
A major difference between a self employed mortgage applicant and an employed applicant is that you and your business will be assessed. As a mortgage broker in Sunderland, our role is to help you get ready for your self employed mortgage application so you are in the best place upon your submission.
For over 20 years, our team have helped self employed applicants secure a competitive mortgage. Utilising our rich knowledge, we work hard in finding the most suitable deal for you.
We understand the difficulty that self employed mortgage applicants can come across in the process which is why our team are here to help. You may have gone through the process before or you may be experiencing it for the first time, either way, it will be helpful to seek help from a mortgage broker in Sunderland. Here at Sunderlandmoneyman, our aim is to help you achieve your mortgage goals.
With the self employed process being different to your traditional mortgage process, a free initial mortgage appointment can be a huge benefit for you. As a self employed applicant, you can speak to an expert mortgage advisor in Sunderland who will be there to provide a helping hand and answer any of your mortgage questions.
You may find the mortgage process to be complex, which is why seeking the support and expert mortgage advice in Sunderland to help.
Through the years, we have helped a variety of customers with their self employed mortgage in Sunderland, even when they thought it wasn’t possible.
Our team are ready to help achieve your mortgage goals as a self employed applicant in Sunderland.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Speak to an expert mortgage advisor in Sunderland about your mortgage goals and situation.
Within this appointment, your mortgage advisor in Sunderland will look at your tax year overview and tax calculation to work out your maximum affordability.
In order to find you the most appropriate deal for your situation, we will search through 1000s of mortgage products.
Then, we will sort you out with a mortgage agreement in principle that us a brilliant tool to use when backing up any offers you want to make.
When the purchase offer has been accepted, your dedicated mortgage advisor in Sunderland will submit your full mortgage application and evidential documents to your lender.
At every step of the process, a dedicated cases manager will update you throughout up until you receive your mortgage offer and completion.
Not only will we find you the most suitable mortgage deal for your circumstance, but we will also recommend the most appropriate insurance to protect you.
We will get in touch with you about the date of renewal of your mortgage so you are always on the most suitable deal.
If you are finding the mortgage process difficult and need guidance from a mortgage advisor in Sunderland, please contact our team instead of applying to a lender and risk getting declined many times. The more that you are declined, the more harm you are doing to your credit score.
Each mortgage lender has varying criteria. As well as this, each person has a varying mortgage situation which is why you may find lenders offering products for particular buyers. Not all the products are for everyone which is why our team are here to find the perfect product for you.
Our experience has exposed us to a variety of applicants struggling with different mortgage problems. When we have an idea of your situation, we will work hard to fid the most suitable solution and overcome any hurdles.
As soon as you contact our team, your designated mortgage advisor in Sunderland will be there every step of the way. We invest in you!
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Sunderlandmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sunderlandmoneyman 2009–2026
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Sunderlandmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sunderlandmoneyman 2009–2026
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