Specialist Mortgage Advice for the Self-Employed in Bristol & Bath
Simplifying the Mortgage Process for the Self-Employed
Securing a mortgage when you're self-employed can feel challenging, but with the right guidance, it doesn’t have to be. At Strong Mortgage Solutions, we specialise in helping self-employed clients in Bristol, Bath, and surrounding areas secure the right mortgage for their unique circumstances.
Whether you're a CIS worker, limited company director, or sole trader, we work closely with lenders who understand self-employed incomes and can offer competitive mortgage options.
Book Your Free Self-Employed Mortgage Consultation and make the process simpler with expert advice.
How We Help Self-Employed Clients Secure Mortgages
Mortgage Advice for CIS Workers
CIS (Construction Industry Scheme) workers often face challenges proving income, but we work with lenders who accept gross income calculations, helping maximise borrowing potential.
- Advice on presenting income accurately, even with irregular work patterns.
- Support with documentation and understanding lender criteria.
- Guidance on using CIS statements and payslips to prove income.
Mortgages for Limited Company Directors
Limited company directors often face complexities around income and dividend withdrawals. We help you present your financials clearly and work with lenders who understand director income structures.
- Guidance on presenting salary, dividends, and retained profits.
- Support with understanding affordability assessments.
- Access to specialist lenders familiar with company accounts.
Mortgages for Sole Traders
Sole traders may struggle with lenders who require consistent income. We help highlight your financial stability, even if income fluctuates.
- Advice on using tax returns and SA302s to demonstrate income.
- Support with understanding what lenders require for affordability.
- Guidance on presenting a strong case for mortgage approval.
Step-by-Step Guide to Securing a Self-Employed Mortgage
We simplify the mortgage process with clear, step-by-step guidance:
- Initial Consultation – Understand your income, financial goals, and borrowing potential.
- Documentation Review – Help prepare the right documentation, from tax returns to CIS statements.
- Agreement in Principle (AIP) – Clarify how much you could borrow, strengthening your position when making an offer.
- Mortgage Application – We liaise with lenders, submit documentation, and manage the application process.
- Approval & Completion – Finalise the mortgage and ensure a smooth transition to property ownership or remortgaging.
Book a Free Consultation to make the self-employed mortgage process simple and stress-free.
Common Questions from Self-Employed Applicants
Why Choose Strong Mortgage Solutions for Self-Employed Advice?
- Local expertise in Bristol, Bath, and surrounding areas.
- Access to a wide range of self-employed-friendly lenders.
- Personalised advice based on your business structure.
- Step-by-step guidance to simplify the process.
- Flexible consultations, available remotely or in person.
Book Your Free Self-Employed Consultation and simplify your mortgage journey.
Areas We Cover for Self-Employed Mortgage Advice
We offer tailored self-employed mortgage advice in:
- Bristol (including Clifton, Redland, Bedminster, Southville)
- Bath
- Weston-super-Mare
- Portishead
- Clevedon
- Gloucestershire
- North Somerset
- Exeter
Contact Us Today for local, expert advice.
Ready to Simplify Your Self-Employed Mortgage Process?
Securing a mortgage as a self-employed applicant doesn't have to be difficult. With the right advice and lender relationships, we make the process straightforward and stress-free.
- Book a Free Consultation to discuss your mortgage options.
- Contact Us Today to learn more about how we can help.
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We understand that from time to time our clients may find themselves dealing with circumstances that could mean they are potentially vulnerable. For example, a change in health, caring for a family member, or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.
If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us
Approved by The Openwork Partnership on 26/02/2025.
Strong Mortgage Solutions is a trading name of Martin Strong which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.