Mortgages for Self-Employed and Contractors

Mortgages that work for you.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Getting a mortgage when you're self-employed can be challenging. We want to help business people get a mortgage. Whether it's a complex income structure or the pandemic's impact on your accounts, we get to know your situation and then try to say yes.

Take a look at our mortgages.

All our mortgages are available to self-employed customers at the exact same rate. Take a look at our mortgages and find what's best for you.

Self-employed? We're here to help

Getting a mortgage when you're self-employed can be challenging. That's because it takes lenders more time and effort to approve the application, so you can often end up in a 'computer says no' situation.

Unlike many lenders, we have a personal approach to lending. So, if you're a sole trader, freelancer, contractor, landlord or anything in-between, we take the time to understand the nuances of your business and your application, so that we can do everything we can to say yes.

Using our common-sense

We know the last couple of years have been difficult for many who are self-employed, and we try our best to help.

Our common-sense approach means we can utilise discretion to look over extended years of trading. We can also take into account your forecasts and contract positions within your application, to help find the right mortgage for you.

3 easy ways to apply

Apply online

Enquire Online

Complete our quick online enquiry form and we'll get back to you within one working day.

ENQUIRE ONLINE
Apply in branch

Apply in Branch

Arrange to meet an expert Mortgage Adviser in one of our six branches.

BRANCH FINDER
Apply by phone

Give us a Call

0161 429 4318

Monday - Friday

08:45 - 17:00

Why choose the Vernon?

We're local

With almost a century of local knowledge, we understand the unique needs of the community.

We're personal

First, we understand our customers as individuals. Then try to say yes.

We're knowledgeable

We're experts in mortgages so you don't need to be. We make it as simple as possible.

We're there for you

Our experienced mortgage advisors will be your point of contact throughout.

Your home may be repossessed if you do not keep up with repayments on your mortgage.