Acura Mortgage & Life
Bespoke Mortgages for Directors & Self-Employed
Navigating the complexities of self-employed income requires a specialised approach. We work with lenders who understand your unique financial structure, ensuring your success is recognised.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Options Overview
Explore our range of bespoke mortgage products specifically designed for limited company directors, contractors, and self-employed professionals.
Self-Employed Mortgages
Tailored Lending for Freelancers and Professionals
A self-employed mortgage isn't a specific product, but rather a standard mortgage where the lender uses unique criteria to assess your income. Whether you're a sole trader, a limited company director, or a contractor, we ensure your true earning potential is presented correctly.
Standard Lender Requirements
Trading History
Lenders typically require a minimum of two years' trading history to demonstrate income stability and business longevity.
Tax Documentation
You will need your HMRC SA302 summaries and corresponding Tax Year Overviews to verify declared income levels.
Professional Verification
A certified accountant's reference is often necessary, especially when using complex salary and dividend structures.
Deposit Strategy
While 5% deposits are possible, having 10-15% can significantly open up the market to more competitive rates for self-employed borrowers.
What to prepare before we speak
- Last 2–3 years’ accounts or SA302s
- Recent tax year overviews
- Business bank statements
- Details of existing debts or commitments
Once you’ve gathered these, book a free call and we’ll do the hard work for you.
Expert Mortgage Advice
Limited Company Director Mortgages
Acura Mortgage & Life are specialists in securing competitive mortgage rates for business owners. We understand that your income structure is unique, and we work with lenders who recognize your true financial strength.
Key Lending Considerations
Salary & Dividends
We access lenders who base their assessments on your total income from both salary and dividends, ensuring maximum borrowing power.
Retained Profits
If you leave profits in the business, some of our specialist lenders can calculate affordability based on net profit plus salary.
Company Structure
Whether you have a complex shareholding or multiple businesses, we present your application to lenders that understand your setup.
What to prepare before we speak
- Latest company accounts
- Payslips / dividend vouchers
- Accountant’s details
- Details of shareholding and other properties
Once you’ve gathered these, book a free call and we’ll do the hard work for you.
