Business Details
Expert Mortgage Solutions for Self-Employed Professionals
We are an FCA-accredited mortgage broker specialising in self-employed mortgages, established by professionals who understand the unique challenges faced by independent workers. Our team of award-winning advisors leverages over a decade of experience to secure competitive mortgage rates for sole traders, contractors, freelancers, and company directors. We operate as a whole-of-market broker, offering access to every self-employed-friendly lender in the UK. Our approach focuses on highlighting true affordability through tailored underwriting, bypassing generic High Street criteria. With direct relationships with specialist underwriters, we package applications to meet lender requirements efficiently.Our compliance team ensures all advice aligns with regulatory standards while prioritising client needs. We provide transparent fee structures, including a minimum service fee of 750 or a fee-only option at 0.65% of the loan amount. Our expertise extends to niche sectors including IT contractors, healthcare professionals, and locum doctors. We pride ourselves on simplifying the mortgage process for self-employed individuals through dedicated account management. Our office in Hatch End serves clients nationwide, combining local service with national reach.
Services
Self-Employed Mortgages
Contractor Mortgages
Sole Trader Mortgages
IT Contractor Mortgages
Freelancer Mortgages
Company Director Mortgages
Highlights and features
- We are FCA-regulated mortgage specialists with 10+ years' experience in self-employed lending
- We offer access to every self-employed-friendly lender in the UK market
- Our team understands how to demonstrate true mortgage affordability for non-standard income
- We provide bespoke underwriting solutions for contractors, freelancers and company directors
- We operate a transparent fee structure with no hidden charges
Associations and certifications
- Financial Conduct Authority
Services
Self-Employed Mortgages
We specialise in mortgages for self-employed individuals with non-traditional income structures. Our expertise covers sole traders, freelancers, and business owners requiring tailored lending solutions. We work with lenders who understand self-employed financial documentation and can assess true affordability beyond standard criteria.
Contractor Mortgages
Specialist mortgage solutions for contractors using day rates as income verification. We access lenders who accept contract-based underwriting without requiring full company accounts. Our team works directly with underwriters to maximise borrowing potential based on contract value.
Sole Trader Mortgages
Mortgage products designed for sole traders with one or more years of accounts. We partner with lenders who accept SA302 forms and understand cashflow fluctuations. Our advisors help demonstrate business stability through tailored documentation packages.
Company Director Mortgages
Tailored financing for limited company directors with low salary structures. We work with lenders who consider dividend income and business performance beyond standard PAYE calculations. Our service helps directors maximise borrowing potential through specialist underwriting.
IT Contractor Mortgages
Specialist mortgages for IT professionals working through limited companies. We access lenders who value contract rates over post-tax accounts. Our team has established relationships with underwriters familiar with technology sector income structures and day rate pricing.
Questions
Can I get a mortgage with only one year's accounts?
Yes, we work with lenders who accept applications from self-employed individuals with just one year's accounts or SA302 forms.
Do you charge additional fees beyond the mortgage cost?
Our fees are transparent - either a minimum £750 service fee or 0.65% of the loan amount with no hidden charges.
Are contractor mortgages different from standard self-employed mortgages?
Yes, we access specialist lenders who use contract day rates instead of company accounts for contractor mortgage applications.
How do you help company directors with low salaries?
We work with lenders who consider dividend income and business performance beyond standard PAYE calculations for company directors.
What areas do you cover for in-person appointments?
Our Hatch End office serves clients nationwide, with remote consultations available across the UK through our online services.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as Mortgage Quest Ltd, regulated and authorised by the Financial Conduct Authority (no. 312484).
