Traditionally
it's been more difficult for the self employed to get mortgages.
Mortgage
lenders preferred to see the regular income guaranteed by employment. However
this has changed in recent years.
While
there are mortgage lenders who specialise in the self employed, most lenders
will now be much more likely to deal with the self employed
If
you've been involved in a particular industry for years this will be an
advantage.
Lenders
are interested in seeing how employable you are. To give an extreme
example; a plumber is probably in a better position than a successful film director
because s/he can show regular, weekly work. However, the film director's few months
of work here and there may look patchier.
Mortgage
lenders don't always appreciate the ins and outs of different types of business.
But some will so shop around.
If
you're new to your area of business this may prove a problem till you
can demonstrate regular income.
If
you're on a "short term contract" it will help if you can show
you have a regular contract with the same "employer" ie which has been
renewed. The longer it's lasted the better. Others may want to see a pattern of
renewals over a one or even a two-year period.
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