For the self-employed it can feel like there’s a lot of hoops to jump through to find a mortgage. We know that not everyone’s finances are simple and straightforward. So from builders to plumbers, techies to contractors, whether a limited company or sole trader, we’ll look at the big picture. Our expert underwriters will assess each mortgage application on its own merits and will use a bit of common sense to understand individual circumstances.

As a self-employed mortgage specialist:

• We don’t cap LTV for self-employed lending
• We can look at retained profits in your business when assessing your income
• Our loan to income ratio is up to 5.5x for individual or joint applicants with a minimum of £60k income
• We lend up to a maximum term of 40 years
• We ignore all communications defaults
• We’re not ‘computer-says-no’ – every mortgage application is individually assessed
• We allow a maximum of 1 settled default in the last 13 – 36 months up to £500, and all defaults registered over 3 years are accepted

We offer mortgages through brokers

If you’re looking for a new mortgage, then please contact your broker, they’ll be able to discuss your personal circumstances to help find the right mortgage for you. You can find a mortgage broker by searching online or by asking friends or family for personal recommendations. Don’t forget to check they're registered with the FCA. You can do this by visiting register.fca.org.uk

Mortgage guides

London Capital Credit Union is an award-winning, specialist lender that likes to do things differently. No one-size-fits-all application process here. Whether you’re buying your first house, looking to remortgage or expand your buy-to-let portfolio we’ll have a guide to help.