Mortgage and protection for the self employed.
If you’re a freelancer, business owner or gig-worker, securing a mortgage can be more complex. We’re here to help you get where you want to be.
We’ve got your best interest at heart.
Self-employed?
Running a business? Recently moved from sole trader to limited?
We know that proving your income isn’t always straightforward when applying for a mortgage. That’s why we specialise in helping self-employed professionals secure the right mortgage, even when lenders apply extra scrutiny.
Tailored mortgage solutions for the self-employed.
If you’ve ever struggled to prove consistent income, balance tax efficiency with borrowing power, or faced rejection due to limited trading history, we can help.
Many lenders have rigid policies that don’t reflect the realities of running your own business. We work with lenders who understand self-employed finances and know how to present your case in the best possible way.
Overcoming the challenges.
Proving consistent income
Many lenders look for steady, predictable earnings. We help demonstrate financial stability even if your income varies month to month.
Tax efficiency vs borrowing power
Minimising taxable income can reduce your tax bill but may also affect how much you can borrow. We help you strike the right balance.
Higher scrutiny from lenders
Self-employed applicants often need to provide more documentation and face tougher assessments. We simplify the process and guide you through what’s needed.
Not sure what income counts?
Salary, dividends, retained profits—different lenders assess them differently. We ensure all eligible income is included in your application.
Limited income history?
If you’ve only got one year’s accounts, not all lenders will consider your application. We find those who will.
We’re here.
Whether it’s questions about your current mortgage, switching to a new deal, moving house or looking to protect your income, we’re here for you.
With our office in Monmouthshire and a network of colleagues across South Wales, Somerset and London, we’re never far away.
Quickly and easily book a call with us using the link below.
Our Approach
1. Discovery Call
This is where it all starts; we want to get to know you and what you need from us, our 30 minute strategy call is a great time to ask any initial questions and lay out our working relationship.
2. Fact Find
Using the latest technology we collate all the relevant documents and information from you securely allowing us to provide you high quality advice.
3. Advice & Application
Following extensive research of the market, we will provide our advice and recommendation ready for application. We then run through all the documents with you so you’re informed to make the right decision for you.
4. Progress to Completion
Personally managing the process from start to finish, from offer issue to completion as swiftly and efficiently as possible. Questions during the process? We’re here.
“We can't recommend Jonathan Southgate and the team enough!”
“Selling and buying houses is certainly not stress free. On top of that, navigating the world of mortgages, especially during a time of increased uncertainty with cost of living rises, interest rates and upcoming elections, is not straightforward. We used Sterling Southgate as our mortgage advisor which took away a big part of that stress and worry, giving us the right options for our current and potential future circumstances, supporting us along the house selling/buying journey.”
Sam & Alex. (June 2024)