★ Whole of Market Mortgage Broker
Self-Employed? Getting a Mortgage May Be
Easier Than You Think.
Whilst every lender has different criteria, some lenders may consider applicants with just one year's accounts, and in certain circumstances may even assess affordability using the latest year's income where appropriate.
★★★★★ 5.0 Google Reviews
Nearly 25 years experience
- Sole Traders
- Contractors
- Company Directors
- CIS Workers
£500M+
Lending Arranged
We Fix the "Computer Says No" Problem
Many self-employed people think they can't get a mortgage because their high street bank turned them down. The truth? You just need a broker who knows where to look.
"I only have 1 year of accounts"
Don't wait 3 years. We work with specialist lenders who accept one year's trading history to get you moving sooner.
"My latest year is much stronger"
Averaging years can ruin your borrowing power. We know lenders who will assess affordability on just your most recent year's figures.
"My bank didn't understand my income"
Retained profits, CIS deductions, day rates - we speak the language of self-employment and package your application perfectly.
Expertise Across the Board
Whether you're taking your first step onto the ladder or expanding a portfolio, we have the specialized knowledge to help.
💼
Self-Employed
Bespoke solutions for complex incomes.
🏠
First Time Buyers
Guiding you through every step of the journey.
🏢
Home Movers
Upsizing or downsizing with confidence.
🔑
Remortgages
Securing better rates and releasing equity.
A Simple, Stress-Free Process
Initial Chat
A brief, no-obligation conversation to understand your business and goals.
Market Search
We scan the whole of the market, including specialist lenders not available on the high street.
Recommendation
We present the best options tailored specifically to your unique income structure.
Application to Offer
We handle the paperwork, liaise with the lender, and manage the process through to completion.
Trusted by Business Owners
★★★★★
James is the best! We've used him numerous times when we've moved house and remortgaged, and he has always gone above and beyond to understand our situation and get us the best deal. He is helpful, knowledgeable and super friendly.
James at skylight mortgages has handled our mortgage process from start to finish. Great communication & transparency throughout the entire process. James made what could have been a stressful experience smooth and manageable. Any questions we had no matter how small were answered promptly and thoroughly. I would highly recommend using Skylight Mortgages to anyone.
James has been fantastic to work with, especially during a very busy time in my personal life, James kept on top of communication, kept things moving with the lender and ensured everything ran smoothly. I would highly recommend and will definitely be coming back to James for his expertise again!
Ready to see your options?
Fill in the short form below and James will be in touch. No pressure, no hard sell - just honest advice about what's possible for your business.
Frequently Asked Questions
Do I need 3 years of accounts?
No. While some high street banks ask for 3 years, we have access to specialist lenders who will consider your application with just 1 year's trading history.
Will you use my latest year or an average?
If your latest year is significantly better than previous years, an average can hurt your borrowing power. We can place you with lenders who base their affordability calculations solely on your latest year's figures where appropriate.
How do lenders treat retained profit?
Many banks only look at your salary and dividends. We know lenders who will factor in your share of the net retained profit, which can significantly increase how much you can borrow as a limited company director.
I'm a CIS worker, how is my income assessed?
We use lenders who understand the Construction Industry Scheme. They can often assess your income based on your gross day rate over a 3-6 month period rather than relying on self-assessment tax returns, which usually reflect lower net figures.
Speak to James directly
Principal Broker
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
Skylight Mortgages is a trading name of James Chaney who are an Appointed Representative of PRIM'S Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
For our advice services, we will charge a fee of between £O and £499. The typical fee for a purchase is £299. The typical fee for specialist lending is £499. The actual fee payable will be provided in writing to you. The fee is payable upon mortgage offer being issued.
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