Category: Self-Employed Mortgages

Mortgage advisers give mortgage protection advice because a mortgage is usually one of the biggest financial commitments a person will ever take on.
The mortgage helps you buy the property. Mortgage protection helps you think about how that mortgage would be paid if life takes an unexpected turn. This could include death, serious illness, accident, loss of income or long-term inability to work.

Preparing for your first mortgage in 2026 comes down to clean paperwork and proactive planning. Check your credit file (aim for 750+), get on the electoral roll, and compile 3 to 6 months of income evidence like payslips or SA302s. Keep your deposit trail transparent, freeze any new debt or 0% credit card applications, and consult an expert early to customise a plan for your unique financial situation.

The honest answer for self-employed borrowers, limited company directors and people with multiple income streams

Specialist mortgage options can support borrowers with complex circumstances such as irregular income, credit history challenges, or non-standard properties. When standard criteria may not fit Some borrowers find that high street lenders are unable to accommodate their circumstances due to strict policy rules or automated assessments. This does not mean a mortgage is impossible. Different lenders assess risk in different ways. Many specialist lenders take a broader view of financial history and individual circumstances.

Mortgage declines often arise from subtle factors such as credit usage patterns, inconsistent income evidence, or undisclosed commitments. Understanding these risks early can help applicants strengthen their position before applying.

WIS Mortgages was built specifically to remove these silent profit leaks.

An EPC certificate is required by law when a property is built, sold, or rented. It gives potential buyers or tenants an indication of the property’s energy efficiency. But where can I get a copy of my EPC certificate? In this article, we’ll discuss where you can get a copy of your EPC certificate, what information it contains, and why it’s crucial.

There are plenty of mortgages online aimed at contractors. Each promises to cater to the particular circumstances surrounding contractors. However, it may be difficult to find one that meets your needs. This article highlights the nature of mortgages for contractors and what you can do to secure the best mortgage for contractors UK.

Buy to let mortgages are a good option for contractors looking to build their retirement funds. This is because rent paid by tenants can bring in additional monthly income – making buy to let mortgages a viable form of investment for UK contractors. Learning about how these mortgages work and the key factors to consider when pursuing them can make the process more straightforward.

Looking for a local mortgage broker in the Kent area? Choose WIS! We offer our customers plenty of benefits, from free initial advice and zero fees, through to UK-wide mortgage coverage and specialist mortgage advice for contractors.