Protect what you’ve built and still get a mortgage that reflects your wealth.

Find Your Perfect Mortgage

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When your income doesn't fit the form, the mortgage doesn't fit either.

You’ve worked hard over the years to build a strong business. It's profitable, business levels are good and you’ve been able to provide well for yourself and your family. Then your dream home comes onto the market but, because of how your income has been assessed, the bank says no and the process is hanging in the balance. You now face either losing your dream property or suffering the financial repercussions of drawing more money from the business and increasing your tax bill. That’s stress you do not need to add to your already busy lifestyle.

Whether you are purchasing a home or changing lender, the problem is that all lenders assess income differently and most lenders have processes geared to favour employed applicants. This makes it harder for the self-employed, particularly company directors, to have their income assessed in a way that maximises borrowing and doesn’t penalise tax efficiency.

If that’s happened to you, you will know the frustration of the back and forth between lenders and the very real possibility of losing your dream home, or switching to an uncompetitive rate through no fault of your own.

But it doesn’t need to be that way and here’s why.

At JFinance, we have over 25 years’ experience with self-employed applicants and the weird and wonderful ways of structuring income - we’ve seen it all!

We have access to over 100 lenders and have great working relationships with them, so we can ensure your case is presented at its best and fully understood from the get-go, using salary and dividends or even your profits. This increases your chances of being accepted, and smooths the mortgage journey as much as possible.

But our service doesn’t end there., we continue to be a lifeline and support throughout the process, to lend an ear or get involved if things go awry.  

To explore your options today, fill in our quick enquiry form and leave the rest to us!