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At West Yorkshire Money we have many years of experience helping self employed individuals obtain a mortgage.
At West Yorkshire Money we understand how difficult it can be to be self employed and how little spare time you can have. This is where we can help.
As independent mortgage advisors we have access to the whole of the market so can advise which product will be best for you saving you the time and hassle of approaching multiple lenders, whether it be a first time mortgage or re-mortgage.
With years of experience helping self employed individuals we know which lenders to approach, what information they require and who will be able to offer the best rates. With specialist knowledge of the local area, dedicated point of contact and personal service we make the whole process as simple as possible from start to completion. Contact us today to get the ball rolling.
As a general guide, you can usually borrow between 4 and 5 times your annual income, with some specialist lenders offering a higher multiple. The key is to find the right lender for you. With access to the whole of the market we can find the correct self employed mortgage for you. Contact us to find out more.
Securing a mortgage when you are self employed can be a little more complicated but with the correct paperwork and good advice it does not have to be too difficult. Contact us to find out more.
Most lenders will usually use your salary and dividends to calculate your income and verify this from your full accounts or SA302 year end tax calculations. There are also options to use the retained profit that is within the business, so if this is higher than you show as paid income, we can look at using that to increase affordability. Contact us to find out more.
Most lenders ask for 3 years accounts but we can help with just 2 or even 1 year’s accounts. Contact us to find out more.
We have offices located in Pontefract, so we are ideally located to help self employed people looking for a mortgage or to re-mortgage throughout West Yorkshire including Leeds, Wakefield, Huddersfield. Halifax and Bradford.
All mortgage applications are handled locally by our dedicated team of Mortgage Advisors.
Taking on a mortgage is most likely the biggest financial commitment you will make, so unlike other mortgage brokers we are always available to meet in person face to face and update you on your mortgage application.
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Nominated for Best Entrant Broker 2019 – Mortgage Introducer Awards
Top Rated Mortgage Adviser for 2020, 2021 & 2022 in The Times Newspaper
Yorkshire Prestige Award Winner for Mortgage Brokerage Firm 2021/2022
Nominated for Best Mortgage Broker (up to 8 Advisers) & Best Protection Broker
Nominated for Best Entrant Broker 2019 – Mortgage Introducer Awards
Top Rated Mortgage Adviser for 2020, 2021, 2022, 2023 & 2024 in The Times Newspaper
Yorkshire Prestige Award Winner for Mortgage Brokerage Firm 2021/2022, 2022/2023 & 2023/2024.
Nominated for Best Mortgage Broker (up to 8 Advisers) & Best Protection Broker
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
Think carefully before securing debt against your home. Your home may be repossessed if you do not keep up payments on your mortgage or any other loans secured on it.
West Yorkshire Money Limited Company Registration number 11776461. Registered Address at Office 010 Upper Wortley Road, Leeds, England, LS12 4JG with a Trading Address at Ropergate House, 43 Ropergate, Pontefract, West Yorkshire, WF8 1JY. West Yorkshire Money Limited is registered with the Data Protection Act 1998 registration No. ZA490940 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 840545.