Self-Employed Mortgages: Solutions for New Businesses, Contractors & More

You're a professional, an entrepreneur, a freelancer. You do things differently—so why should you have to play by a lender's old-fashioned rules?

At Ezra Finance, we are more than just a mortgage broker. We are a specialist packager with unique partnerships that give us access to lenders and criteria others don't have. This means we can help you find a mortgage that truly understands the modern reality of how you work.

Here are the unique ways our partnerships help the self-employed secure the financing they need.

Common Problem #1: "I'm a new business, and most lenders only want two years of accounts."

Solution: We Have Access to Lenders Who Use Your Latest Income.

Most high-street banks operate on a rigid system that requires a long trading history. But what if your first year was fantastic? Or your business is growing fast? Through our unique partnerships, we can access a panel of lenders who see your success.

• One Year's Accounts: We have unique partnerships with lenders who accept just one year's accounts as a valid way of proving your income. This allows us to use your latest, most accurate financial data to help you secure a better mortgage.

  
  

• Projected Income: We can find lenders who will consider projected future income. This is perfect for new or rapidly growing businesses, as it allows us to showcase your financial trajectory and get you approved for a loan that reflects your true earning power.

Common Problem #2: "My income comes from a day rate contract, not a salary."

Solution: Our Partnerships Mean Your Day Rate Is Your Income.

For many contractors, a day rate is the most stable form of income, but some lenders still struggle to understand this. We've built relationships with a select group of lenders who do.

Our panel includes specialist lenders who consider day rate contracts as valid proof of income. This opens up a wider range of options for you, ensuring your hard work is seen and valued during the application process.

Common Problem #3: "My business accounts are complicated. I need a flexible approach."

Solution: We Work Directly with Our Lender Partners to Find a Solution.

As a specialist packager, we have the ability to go to lenders with a pre-packaged case that highlights your strengths. This means we can use tools others can’t.

We have the option to submit your case with accountant's certificates and projections to support your application. This lets us present your business's financial health in a way that lenders understand and gives them the confidence to offer you a deal.

Beyond the Basics: What Our Unique Partnerships Mean for You:

• Priority and Speed: Our special relationships can give your application priority access, often leading to faster timescales from application to offer.

  
  

• Better Rates and Criteria: We can negotiate on your behalf to secure different rates and criteria that aren't available on the open market, giving you a competitive advantage.

  
  

At Ezra Finance, our goal is to simplify the mortgage process for the self-employed. By leveraging our unique lender partnerships, we can help you find a mortgage that truly fits your needs.

Contact us today to start a conversation about your options.