Self-employed Remortgage.
Done by an expert.

Remortgaging in general can save you money since, if you don’t, you’ll be switched to your lender’s standard variable rate (SVR), which will be higher and subject to increases if and when interest rates will go up again.

We also understand the challenges of being self-employed. Mortgage lenders tend to have stricter or specific criteria for the self-employed. This means finding the right mortgage for you can feel a daunting experience and be more challenging, unless you are guided by the right expert. Below we will de-mystify the complexity of mortgages for self-employed and highlight some of the most common questions if you want to remortgage as a self-employed.

Q: How can you help me maximise my business borrowing potential?

We pride ourselves on our in-depth understanding of finance. We work with accountants regularly and have the knowledge and experience to correctly read through your company accounts, how you receive your income, and the value that your business generates. This means that we know how to maximise your business borrowing potential.

Q: How do you present my business accounts to a mortgage underwriter?

When presenting your business accounts to a mortgage underwriter, our team takes into consideration various factors such as your income, expenses, the sector that you operate in, your track record and your overall financial stability. We make sure that your company’s financial information is discussed in a clear and comprehensive manner, to demonstrate your capacity to repay the loan. This comes as a result of our knowledge and experience, that will let us present you and your business in the most effective way in order to give you the best chances of approval.

Q: How is my income taken into account in your mortgage assessment?

When it comes to getting a mortgage, traditional lenders often only consider your salary and dividends as sources of income. However, we understand that the net profit of your business is also a crucial factor in determining your ability to repay a mortgage. You may also have a range of income sources and all need to be considered in the most effective way. Every business is unique and one size doesn’t fit all, so we work closely with you to understand your financial situation and tailor our approach with lenders that are most suited to meet your needs. Ultimately, we take the time to evaluate your business to reveal its true potential, and in doing so we may be able to help you borrow more money with your mortgage.

Q: Can you help me if I have been rejected by a mainstream lender?

Yes, we would like to help you and see how we may make a difference. We have access to specialist lenders that best understand the more complex needs of business owners and limited company directors. This means that if you have a complex background or you have been rejected by a mainstream lender, we may still be able to help you.

Q: Can you help me if I am a new business owner with only one year of company accounts?

Yes, we would also like to help you with that. The majority of lenders require at least 2 years trading history. However, depending on your circumstances it is also possible to get a mortgage if you only have a one year’s accounts history.

Don’t let rising interest rates catch you off guard! We are here to help you secure some of the best remortgage deals in the market. With access to thousands of rates, we provide tailored offers to help you save money. Don’t wait – secure your future today.

How our service could benefit you:

  • We are a team of highly experienced and knowledgeable advisers
  • We help present and maximise your unique business potential to an underwriter
  • We navigate the complexity of options and criteria for the self-employed
  • We secure the most favourable deal from a range of mainstream and specialist lenders

Why us

Ready to remortgage? We’ve got you covered! From understanding how it works to comparing the available rates on the market, we’ll guide you through the entire process to secure your next best deal.

Expert at your service

Make well-informed decision.
With 20 years experience in financial services and in the property market,
you will get the reassurance you need.

Tailored advice

Save you money and time.
We will de-mystify the complexity of
mortgages for the self-employed, and
navigate through the criteria and
options available to you.

Hassle-free experience

24/7 mortgage status updates.
The entire process will be done
through HomeBuyer app to keep you

homepage phone homebuye your mortgage
information yellow your mortgage

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender when you remortgage.

Some of our happy clients

Hear what our happy clients say about us. We have helped self-employed just like yourself to save £££ by remortgage.

Alexandra Adela Pelivan
Alexandra Adela Pelivan
19 May 2023
We worked with Luca for our first ever house buy. He is very knowledgeable and really works hard to provide you with the best solution for your needs. He answers calls and emails promptly and is there for you if you have any additional questions! He even contacted us when a better offer was available on the market and quickly applied for it so that we can get a better deal. Thanks Luca!
abiharan sivanadarajah
abiharan sivanadarajah
21 April 2023
I encountered Luca's services via Google and haven't regretted my choice. He has methodically, expertly and calmly navigated through a rather difficult set of circumstances to get me a mortgage offer for my property purchase. In this time he has navigated various hurdles including the potential expiration of the offer by working tirelessly with the lender to ensure I'm happy. I would highly recommend Luca's services if you're looking to secure a mortgage with the best possible rate. He is honest and open and works in your best interest.
Nathan Paterson
Nathan Paterson
8 April 2023
Luca was simply fantastic from start to finish as a mortgage advisor. He was readily available to answer my queries, a true expert in his profession, and a trusted source of invaluable advice in my home-buying journey. I highly recommend his services.
Virga Virga
Virga Virga
6 April 2023
I had the pleasure of working with Luca Bertolino recently and cannot recommend his services highly enough. As I was having remortgage i was nervous about the mortgage process and had many questions. Luca was patient, knowledgeable, and incredibly helpful throughout the entire process. From our initial consultation to the final closing, Luca was always available to answer our questions and provide guidance. He took the time to explain the different types of mortgages and helped us find the one that was the best fit for our financial situation. Additionally, Luca went above and beyond to ensure that the process was as smooth and stress-free as possible. He kept us updated on the progress of our application and worked closely with the lender to make sure everything was on track. Overall, I had an excellent experience working with Luca and would highly recommend him to anyone in need of a mortgage advisor. His professionalism, expertise, and dedication to their clients make him stand out in a crowded industry. Virginia
Lorenzo Bencivenni
Lorenzo Bencivenni
24 March 2023
Thank you so much to Luca of Your Mortgage Experts. Buying a property is really stressful, but Luca made it really easy for me and my partner. Really knowledgeable and always professional and available. I recommend him to everyone that is going to the same process. Thanks again
Rachael Cole
Rachael Cole
20 March 2023
Luca has been brilliant throughout the entire mortgage application process; offering explanations and advice in a clear, concise and friendly manner. He acted quickly and efficiently when needed and within my best interests. Would highly recommend, especially to first time buyers.
Joshua Le Cornu
Joshua Le Cornu
21 February 2023
Luca was excellent and provided great service from the start. Made the mortgage application process smooth and offered well thought out advice on numerous different aspects!
Aleksandra M.
Aleksandra M.
26 October 2022
Luca is amazing broker! No matter where you look you won’t find a better broker then him. He is so passionate and determined to do his job properly and in the timely manner.He ensured us that we understood the process and he explained very well every step of the way.He dedicated his time to us and we are very thankful to him.He is so polite, kind and pleasant.He is the person who you can trust.It was our first mortgage and it went very smoothly.He knew it exactly who would be the best lender for us and with who to apply.And the best of all his prices are very affordable compared to others. We would recommend Luca to anyone. One of the best customer experience ever! Words cannot explain our satisfaction and happiness.