Compare Self-Employed Mortgages

Self employed mortgages

		Mortgage Type Buy to Let: For landlords purchasing a property for letting. Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Offset: Mortgage interest payments are offset against any savings you may hold. Tracker: The interest rate rises and falls with the Bank of England base rate. Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.	Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	NatWest 2yr BBR + 1.69% LTV 60% Direct + More Details	Tracker	2.19%	31/10/2015	4.00%	3.80%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.19% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 2yr BBR + 1.69% LTV 60% Direct + More Details	Tracker	2.19%	31/10/2015	4.00%	3.80%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.19% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society 2yr BBR + 1.74% LTV 75% Direct + More Details	Tracker	2.24%	30/06/2015	4.99%	4.60%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.24% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	HSBC Lifetime BBR + 1.88% LTV 60% Special Direct + More Details	Tracker	2.38%	term	n/a	2.50%	60%	£1499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.38% Initial Term term Final Rate n/a Overall Cost for Comparison 2.50% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 1.94% H/P C/B LTV 70% + More Details	Tracker	2.44%	24 months	4.74%	4.50%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.44% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 1.94% R/M C/B LTV 70% + More Details	Tracker	2.44%	24 months	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership yes Initial Rate 2.44% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society 2yr BBR + 1.94% Offset LTV 75% Direct + More Details	Tracker	2.44%	30/06/2015	4.99%	4.60%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.44% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Halifax 2yr BBR + 2.09% C/B LTV 60% Ex/C Direct >£1m + More Details	Tracker	2.59%	31/08/2015	3.99%	4.10%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 154 4126
Application Criteria Product Details Fees and Charges Available for Remortgage This product is available for remortgage. Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.59% Initial Term 31/08/2015 Final Rate 3.99% Overall Cost for Comparison 4.10% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Halifax 2yr BBR + 2.09% LTV 60% Direct >£1m + More Details	Tracker	2.59%	31/08/2015	3.99%	4.10%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 154 4126
Application Criteria Product Details Fees and Charges Available for Remortgage This product is available for remortgage. Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.59% Initial Term 31/08/2015 Final Rate 3.99% Overall Cost for Comparison 4.10% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society 2yr BBR + 2.09% H/P LTV 75% Direct + More Details	Tracker	2.59%	30/06/2015	4.99%	4.70%	75%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.59% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 2.09% R/M LTV 75% Direct + More Details	Tracker	2.59%	30/06/2015	4.99%	4.70%	75%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership no Initial Rate 2.59% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	HSBC Lifetime BBR + 2.19% LTV 70% Direct + More Details	Tracker	2.69%	term	n/a	2.80%	70%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.80% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.19% LTV 70% Ex/C Adv Direct + More Details	Tracker	2.69%	term	n/a	2.80%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.80% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.19% LTV 70% Ex/C Prem Direct + More Details	Tracker	2.69%	term	n/a	2.80%	70%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.80% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR+2.19% LTV 60% Fee Free Special Direct + More Details	Tracker	2.69%	term	n/a	2.70%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.70% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan na
	NatWest 2yr BBR + 2.19% LTV 60% Direct No Fee + More Details	Tracker	2.69%	31/10/2015	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.69% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.90% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Royal Bank of Scotland 2yr BBR + 2.19% LTV 60% Direct No Fee + More Details	Tracker	2.69%	31/10/2015	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.69% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.90% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 2yr BBR + 2.19% H/P C/B Ex/B LTV 75% + More Details	Tracker	2.69%	24 months	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership yes Initial Rate 2.69% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 2.24% H/P C/B LTV 75% + More Details	Tracker	2.74%	24 months	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership yes Initial Rate 2.74% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 2.24% R/M C/B LTV 75% + More Details	Tracker	2.74%	24 months	4.74%	4.60%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership yes Initial Rate 2.74% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	The Mortgage Works 2yr 2.74% Fixed BTL LTV 65% + More Details	Buy To Let	2.74%	24 Months	4.99%	5.10%	65%	£5250	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 35% First time buyer: no Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers yes Minimum Deposit 35% Shared Ownership no Rental Income Percentage Minimum 125% rental income required. Initial Rate 2.74% Initial Term 24 Months Final Rate 4.99% Cost for Comparison 5.10% Rate Type fixed Holiday Lets no Let to Buy no Number of Properties Allowed No limit to the number of properties Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society 2yr BBR + 2.29% Offset H/P LTV 75% Direct + More Details	Tracker	2.79%	30/06/2015	4.99%	4.70%	75%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.79% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 2.29% Offset R/M LTV 75% Direct + More Details	Tracker	2.79%	30/06/2015	4.99%	4.70%	75%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership no Initial Rate 2.79% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 2yr BBR + 2.39% LTV 75% + More Details	Tracker	2.89%	31/05/2015	4.49%	4.40%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.89% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.40% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	NatWest 2yr BBR + 2.40% LTV 70% Direct No Fee + More Details	Tracker	2.90%	31/10/2015	4.00%	4.00%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership no Initial Rate 2.90% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.00% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Royal Bank of Scotland 2yr BBR + 2.40% LTV 70% Direct No Fee + More Details	Tracker	2.90%	31/10/2015	4.00%	4.00%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership no Initial Rate 2.90% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.00% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	HSBC Lifetime BBR + 2.49% LTV 70% Fee Free Direct + More Details	Tracker	2.99%	term	n/a	3.00%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.99% Initial Term term Final Rate n/a Overall Cost for Comparison 3.00% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan na
	Precise Mortgages 2yr BBR + 2.49% LTV 75% Semi Excl + More Details	Tracker	2.99%	24 months	4.49%	Varies	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Regional Restriction Yes: See lender. First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.99% Initial Term 24 months Final Rate 4.49% Overall Cost for Comparison Varies Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 2.49% H/P C/B LTV 70% + More Details	Tracker	2.99%	24 months	4.74%	4.60%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.99% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 2yr BBR + 2.49% R/M C/B LTV 70% + More Details	Tracker	2.99%	24 months	4.74%	4.40%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership yes Initial Rate 2.99% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	HSBC 2yr 2.99% Fixed BTL LTV 65% Ex/C Premier Direct + More Details	Buy To Let	2.99%	24 Months	5.00%	4.99%	65%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 35% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0808 115 0607
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 35% Shared Ownership no Rental Income Percentage Rental income must equate to a minimum of 130% of the monthly (interest only) mortgage payments (after the deduction of agent fees) based on the current initial rate. Initial Rate 2.99% Initial Term 24 Months Final Rate 5.00% Cost for Comparison 4.99% Rate Type fixed Holiday Lets no Let to Buy no Number of Properties Allowed Maximum 5 properties allowed . Student Lets no Early Repayment Charge yes Application Fee Added to Loan yes
	The Mortgage Works 1yr 2.99% Fixed BTL LTV 75% + More Details	Buy To Let	2.99%	12 Months	4.99%	5.20%	75%	£3750	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Rental Income Percentage Minimum 125% rental income required. Initial Rate 2.99% Initial Term 12 Months Final Rate 4.99% Cost for Comparison 5.20% Rate Type fixed Holiday Lets no Let to Buy no Number of Properties Allowed No limit to the number of properties Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	Precise Mortgages 2yr BBR + 2.59% R/M LTV 75% Semi Excl + More Details	Tracker	3.09%	24 months	4.49%	Varies	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Regional Restriction Yes: See lender. First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 3.09% Initial Term 24 months Final Rate 4.49% Overall Cost for Comparison Varies Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 2.69% H/P C/B LTV 75% + More Details	Tracker	3.19%	24 months	4.74%	4.60%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership yes Initial Rate 3.19% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 2yr BBR + 2.69% R/M C/B LTV 75% + More Details	Tracker	3.19%	24 months	4.74%	4.50%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership yes Initial Rate 3.19% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	NatWest 2yr BBR + 2.75% LTV 75% Ex/B Direct No Fee + More Details	Tracker	3.25%	31/10/2015	4.00%	Pending	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership no Initial Rate 3.25% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Royal Bank of Scotland 2yr BBR + 2.75% LTV 75% Ex/B Direct No Fee + More Details	Tracker	3.25%	31/10/2015	4.00%	Pending	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership no Initial Rate 3.25% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Precise Mortgages 2yr BBR + 2.79% R/M LTV 75% Semi Excl Fee Free + More Details	Tracker	3.29%	24 months	4.49%	Varies	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Regional Restriction Yes: See lender. First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 3.29% Initial Term 24 months Final Rate 4.49% Overall Cost for Comparison Varies Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	BM Solutions 2yr BBR + 2.79% BTL C/B LTV 60% Exclusive + More Details	Buy To Let	3.29%	24 Months	4.84%	n/a	60%	£750	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers This product is available for house purchase. Minimum Deposit 40% Shared Ownership no Rental Income Percentage Rental income must cover 125% of the proposed (interest only) mortgage payment. Initial Rate 3.29% Initial Term 24 Months Final Rate 4.84% Cost for Comparison n/a Rate Type bbr Holiday Lets no Let to Buy yes Number of Properties Allowed BTL portfolios limited to maximum of 3 properties or £2 million maximum. Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 3.29% Fixed BTL LTV 65% Ex/C Direct + More Details	Buy To Let	3.29%	24 Months	5.00%	4.90%	65%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 35% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0808 115 0607
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 35% Shared Ownership no Rental Income Percentage Rental income must equate to a minimum of 130% of the monthly (interest only) mortgage payments (after the deduction of agent fees) based on the current initial rate. Initial Rate 3.29% Initial Term 24 Months Final Rate 5.00% Cost for Comparison 4.90% Rate Type fixed Holiday Lets no Let to Buy no Number of Properties Allowed Maximum 5 properties allowed . Student Lets no Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.89% LTV 80% Direct + More Details	Tracker	3.39%	term	n/a	3.50%	80%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 20% Shared Ownership yes Initial Rate 3.39% Initial Term term Final Rate n/a Overall Cost for Comparison 3.50% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	Yorkshire Building Society 2yr BBR + 2.89% LTV 85% Direct + More Details	Tracker	3.39%	30/06/2015	4.99%	4.80%	85%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 15% Shared Ownership no Initial Rate 3.39% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.80% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	BM Solutions 2yr 3.39% Fixed BBR BTL C/B LTV 60% Exclusive + More Details	Buy To Let	3.39%	24 Months	4.84%	n/a	60%	£750	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers This product is available for house purchase. Minimum Deposit 40% Shared Ownership no Rental Income Percentage Minimum 125% rental income required. Initial Rate 3.39% Initial Term 24 Months Final Rate 4.84% Cost for Comparison n/a Rate Type fixed Holiday Lets no Let to Buy yes Number of Properties Allowed BTL portfolios limited to maximum of 3 properties or £2 million maximum. Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	Virgin Money 2yr 3.39% Fixed BTL C/B LTV 60% + More Details	Buy To Let	3.39%	24 Months	4.79%	4.90%	60%	£3849	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 564 2023
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Rental Income Percentage Minimum 125% rental income required. Initial Rate 3.39% Initial Term 24 Months Final Rate 4.79% Cost for Comparison 4.90% Rate Type fixed Holiday Lets no Let to Buy no Number of Properties Allowed Maximum number of properties 10 Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	Virgin Money 2yr BBR + 2.89% Tracker BTL C/B LTV 60% + More Details	Buy To Let	3.39%	24 Months	4.79%	4.90%	60%	£3849	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 564 2023
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Rental Income Percentage Minimum 125% rental income required. Initial Rate 3.39% Initial Term 24 Months Final Rate 4.79% Cost for Comparison 4.90% Rate Type bbr Holiday Lets no Let to Buy no Number of Properties Allowed Maximum number of properties 10 Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	BM Solutions 2yr BBR + 2.94% BTL C/B LTV 60% + More Details	Buy To Let	3.44%	24 Months	4.84%	n/a	60%	£2250	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Rental Income Percentage Rental income must cover 125% of the proposed (interest only) mortgage payment. Initial Rate 3.44% Initial Term 24 Months Final Rate 4.84% Cost for Comparison n/a Rate Type bbr Holiday Lets no Let to Buy yes Number of Properties Allowed BTL portfolios limited to maximum of 3 properties or £2 million maximum. Student Lets yes Early Repayment Charge yes Application Fee Added to Loan yes
	Halifax 2yr BBR + 2.99% C/B LTV 80% Ex/C Direct >£1m + More Details	Tracker	3.49%	31/08/2015	3.99%	4.20%	80%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 154 4126
Application Criteria Product Details Fees and Charges Available for Remortgage This product is available for remortgage. Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 20% Shared Ownership yes Initial Rate 3.49% Initial Term 31/08/2015 Final Rate 3.99% Overall Cost for Comparison 4.20% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Halifax 2yr BBR + 2.99% LTV 80% Direct >£1m + More Details	Tracker	3.49%	31/08/2015	3.99%	4.20%	80%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 154 4126
Application Criteria Product Details Fees and Charges Available for Remortgage This product is available for remortgage. Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 20% Shared Ownership yes Initial Rate 3.49% Initial Term 31/08/2015 Final Rate 3.99% Overall Cost for Comparison 4.20% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Post Office Ltd 2yr BBR + 2.99% LTV 80% + More Details	Tracker	3.49%	31/05/2015	4.49%	4.50%	80%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 20% Shared Ownership no Initial Rate 3.49% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Precise Mortgages 2yr BBR + 2.99% LTV 80% Semi Excl + More Details	Tracker	3.49%	24 months	4.49%	Varies	80%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% Regional Restriction Yes: See lender. First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 20% Shared Ownership no Initial Rate 3.49% Initial Term 24 months Final Rate 4.49% Overall Cost for Comparison Varies Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

About self-employed mortgages

If you work for yourself, rather than as a full time employee at a company, you'll need a special self-employed mortgage to borrow money for a home.

Available from the majority of the high street lenders, these operate in much the same manner as a normal mortgage in terms of the interest rate, payback and arrangement options available. They are designed for contractors as well as people who run their own firms.

Unfortunately, this market has been abused in the past. A lot of people overstated their earning potential in order to borrow more money and untoward lenders were only too ready to accept what they were told without sufficient evidence. The result was that when the economy went through rocky periods many self-employed people found that their mortgage payments were beyond their means and their homes were repossessed.

Now, tighter controls are in place so that people are less likely to get into difficulties with their mortgages. The banks will generally ask for a minimum of two years' worth of income tax receipts, or verified company accounts as proof of earnings in order to approve a self-employed mortgage.

Of course, this could present problems for you if you are exploiting fully legal loopholes in how you report your income for tax purposes. The help of an accountant or an independent financial adviser may be necessary.

Click here to read more about self-employed mortgages with Know Your Money's dedicated guide.

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