How to get a mortgage if you are are a small 商売／仕事 owner or self-雇うd

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The 財政上の 危機 has taken a 激しい （死傷者）数 on 商売／仕事 owners and the self-雇うd looking for a mortgage, however, while times may be tougher it is still possible to 安全な・保証する a homeloan.

We lay out the 選択s 利用できる to the self-雇うd and small 商売／仕事 owners, and the tricks and 罠（にかける）s to watch out for to help you to 安全な・保証する your dream 所有物／資産／財産.

Remember, while this guide can give you useful （警察などへの）密告，告訴（状）, every 貸す人 will have its own 基準 and will 査定する／（税金などを）課す each borrower 個々に. Some will have more 柔軟性 or discretion that others and factors such as your credit 得点する／非難する／２０ and your deposit will be taken into account.

Get it 直す／買収する，八百長をするd: Finding a mortgage if you are self-雇うd or a 商売／仕事 owner can be a tricky 仕事

The problems 直面するd by 商売／仕事 owners and the self-雇うd

Gone are the days of self-certification mortgages, which 要求するd little or no proof of income and 許すd the self-emplo yed to get a 貸付金 比較して easily.

They were designed with the self-雇うd in mind but were 乱用d by some in the lead-up to the 財政上の 危機, 主要な to them 存在 dubbed 'Liar 貸付金s', and are no longer 利用できる.

But, with no 交替／補充, many small 商売／仕事 owners feel left out in the 冷淡な by 貸す人s.

Nowadays, although it is not impossible for someone who is self-雇うd to 安全な・保証する a mortgage, it can certainly be a difficult 過程 because 貸す人s are far いっそう少なく willing to take what they see as a 危険 on those with a '非，不，無-基準' income.

This can be 失望させるing because, にもかかわらず having the 貯金 and income needed to 支払う／賃金 a deposit and keep up 返済s, you may be 辞退するd a mortgage 簡単に because your income does not 落ちる into a '基準' bracket.

Don't despair though. It is still possible to get a mortgage, but it is more important than ever that you know what you are doing.

What 肉親，親類d of 商売／仕事 are you?

Mortgage 仲買人s 適用する different 支配するs depending on whether you are self-雇うd, a partner, or director of a 限られた／立憲的な company.

James Cotton, of London and Country,This is Money's mortgage service partner 最高潮の場面s the differences:

Self-雇うd

A 貸す人 will typically class you as self-雇うd if you own more than a particular 百分率 of a 商売／仕事 ? usually 20 per cent or 25 per cent.?

If you are classed as self-雇うd then you will need to 証明する the income that you are 宣言するing.? This can be done by 供給（する）ing the accounts of your 商売／仕事 or an accountant’s 言及／関連, which usually need to be 用意が出来ている by a qualified accountant.

The 基準 必要物／必要条件 from a 貸す人 is to see two or three years’ proof of income, although a few may 受託する as little as one year in 確かな circumstances.

You will be 査定する／（税金などを）課すd on 利益（をあげる）s and 貸す人s may want proof that you'll earn 類似の sums in the years ahead by asking about your 商売／仕事 and what 契約s or （弁護士の）依頼人s you have lined up.

If you do your 税金s by self-査定／評価 and get the 歳入 to calculate it for you, you may get a form called an SA302, which shows the total income received and total 税金 予定.?

Remember, even if you are 永久的に 雇うd with 税金 deducted by your 雇用者, if you have 付加 income, this may be classed as self-雇うd income. If so, it is likely to be 扱う／治療するd in the same way as income from someone who is 100 per cent self 雇うd.

共同s

Most 貸す人s will 扱う／治療する partners in a 商売／仕事 in much the same way as self-雇うd borrowers. They will typically look at your 株 of 逮捕する 利益（をあげる） when calculating how much you can borrow.

Directors of 限られた／立憲的な companies

If you’re a director of a 限られた／立憲的な company then your total income may be made up of a combination of basic salary and （株主への）配当 支払い（額）s. 貸す人s will usually consider both these elements of your income, although 正確に／まさに how they 扱う／治療する it can depend on your 株 of 所有権.

設立するing your true income

Mortgage 貸す人s usually calculate how much they are willing to lend using a combination of your credit 得点する／非難する／２０ and salary 記録，記録的な／記録するs.

明確に, if you are not an 従業員 with a 正規の／正選手 paycheck it is going to be more difficult to work out your income using 基準 計算／見積りs.

In 新規加入, 貸す人s now typically use 複雑にするd affordability calculators to work out how much you can borrow, as …に反対するd to the more 伝統的な method of lending a basic 多重の of your 年次の income.

If you are self-雇うd, or maybe a partner or director in a small 商売／仕事, your 全体にわたる income may be more 複雑にするd ? you may receive it in other ways than just a 基準 basic salary or from different sources.

You may also have good and bad months or years, some of your 公正，普通株主権 may be kept in the 商売／仕事, or your accountant may be using, perfectly 合法的な, 税金 （法などの）抜け穴s - all of which will 影響する／感情 how your personal accounts appear to a 貸す人.

Therefore, often the main 問題／発行する is not 証明するing your income, rather it is 設立するing a 人物／姿／数字 for the 目的s of 査定する／（税金などを）課すing how much you could borrow on a mortgage.?

After all, while you may want to maximise the 量 you can borrow, neither you nor the 貸す人 will want you taking on a mortgage you can’t afford.

As Cotton explains: 'If you ’re self-雇うd, your income may fluctuate やめる かなり from one month to the next or from year to year so 見積（る）ing a typical 月毎の 予算 may be difficult.

'Perhaps your 商売／仕事 is experiencing 急速な／放蕩な growth at the moment which means 最近の 収入s are a lot higher than previous years. If this is the 事例／患者 then 貸す人s will often take the 普通の／平均（する） of the last three years’ income rather than just the 最新の year.

'However, if your 最新の year’s income is lower than previous years, this may be the 人物／姿／数字 that a 貸す人 will base affordability on.

'If you’re a director of a 限られた／立憲的な company, you’re likely to have 利益（をあげる）s that you choose to 保持する in the 商売／仕事, rather than take out as salary or （株主への）配当s and again, you may want these to be 査定する／（税金などを）課すd for mortgage 目的s 同様に as the 利益（をあげる） you take out. Some 貸す人s may be able to consider some 保持するd 利益（をあげる）s, depending on your accounts.'

Which mortgage will I get?

In theory, self-雇うd borrowers have 接近 to 正確に／まさに the same 範囲 of mortgage 製品s as everyone else, so long as you are able to put 負かす／撃墜する the necessary deposit and 証明する you can make the 返済s on your 貸付金.

Nearly all 貸す人s will take self-雇うd 収入s into account if you can produce a SA302 form.

There are a handful of specialist 貸す人s who 申し込む／申し出 製品s designed 特に with the self-雇うd in mind. But mainstream mortgage 貸す人s routinely lend to the self-雇うd too, so you may not need to use a specialist.

It's 価値（がある） checking with a mainstream 貸す人 first to see what they can 申し込む／申し出, before 査定する／（税金などを）課すing your 選択s with a specialist.

You should have 十分な 接近 to the choice between 直す／買収する，八百長をするd and variable 率 mortgages, 含むing tracker mortgages.

Read and bookmark This is Money's mortgage 専門家 Simon Lambert's 定期的に updated?What's next for mortgage 率s and should you 直す／買収する，八百長をする? To stay abreast of the best 取引，協定s.

Some 貸す人s do make having a larger deposit a 条件 of lending to self-雇うd borrowers. If one 貸す人 is asking for too much, check どこかよそで - each have their own 基準.

Remember, always shop around for the best 率, since some 貸す人s feel more comfortable about self-雇うd borrowers than others.

But I keep coming up against 障壁s..

In reality, 安全な・保証するing a mortgage if you're self-雇うd can be an onerous 過程.

You only need visit a few online 会議s to see hundreds of examples of 失望させるd 見込みのある homeowners that are unable to get on the 所有物／資産／財産 ladder because their 収入s are 非，不，無-基準 - even when they have a 相当な deposit.

Keep plugging away though and try and speak to other self-雇うd people, or 商売／仕事 owners, they can give you some tips and poi nt you in the direction of helpful 貸す人s.

What else can help?

As with any mortgage, having a decent deposit will help you ? both ーに関して／ーの点でs of getting a good 利益／興味 率 and 改善するing your chances of getting 受託するd.??

A good credit 率ing is also a must. Although you may find a few specialist 仲買人s that can help those with a poor credit 得点する／非難する／２０, you may not have 接近 to decent 率s. It is hard enough for those on a payroll with a poor credit history to find a mortgage with a decent 率? - let alone 打ち勝つing the 追加するd 障害物 of 存在 self 雇うd.

Is 失望させるing as it may seem, it is probably 価値（がある） working on your credit 得点する／非難する／２０ before 適用するing for a mortgage.

Learn how to 改善する and check your credit とじ込み／提出する and get a 解放する／自由な 30 day 裁判，公判 with Experian here.

If your 収入s are too low to 借りがある 税金 and you 港／避難所't filled in a 税金 return you won't be able to get SA302 forms and so won't 満足させる a 貸す人's 必要物／必要条件s.

What if I don't have at least two years' accounts?

貯金: They could help you 安全な・保証する a mortgage

If you don’t have two years’ 価値（がある） of 記録，記録的な／記録するs, you may still be able to get a mortgage.

For example, self-雇うd 労働者s who have a 正規の／正選手 跡をつける 記録，記録的な／記録する of 契約 work can usually use this to their advantage. Or, if you have large 量s of 貯金, some 貸す人s may be more 同情的な.

For those that already have a home 貸付金, but wish to remortgage, your 存在するing 貸す人 may be more 同情的な, 特に if you have a good history of making timely 返済s.

Remember, if your income is not a straightforward salary, you may 井戸／弁護士席 find it difficult to find a mortgage without help. Getting an 助言者 that can understand your 状況／情勢 and finding the 権利 貸す人 is 重要な.

What if I don't 会合，会う any of the 基準?

If you are a first time 買い手, if you want to borrow more money on your 存在するing mortgage or if you already have a mortgage but want to move, the 冷淡な hard truth is you'll have to wait until you have the necessary proof of income, or until the market 発展させるs.

If you already have a mortgage, then you'll most likely 逆戻りする to your 貸す人's 基準 variable 率 (SVR) when your 現在の 取引，協定 満了する／死ぬs. The only upside is that with the Bank of England base 率 at a 0.5 per cent historic low, SVRs are far cheaper than they used to be.

Hope is on the horizon: With 増加するing numbers of people starting up their own 商売／仕事s, the 会議 of Mortgage 貸す人s has 約束d 貸す人s will try to develop new methods to help borrowers 立証する their income - so watch this space!

• Are you having problems 安全な・保証するing a mortgage? 地位，任命する your questions on the comment thread below and our 専門家s will get 支援する to you