Self Employed Mortgage Advice

Being self-employed doesn’t mean you can’t get a mortgage but it can mean you need the right adviser to present your income in the best possible light.

At Grandi Mortgage Solutions, we specialise in helping self-employed clients across Chinnor, Thame, Aylesbury, Princes Risborough and surrounding areas secure mortgages that match their true affordability.

Whether you're a sole trader, limited company director, contractor or freelancer, we’ll help you understand your options and guide you from start to finish.

We Help With:

• Sole traders with 1, 2 or 3+ years of accounts
• Limited company directors (even if profits are higher than salary)
• Contractors and day-rate workers (including those on short-term contracts)
• CIS (Construction Industry Scheme) workers

Even if you’ve been turned down before or aren’t sure what lenders will accept, we may be able to help.

What Lenders Look For

Different lenders assess self-employed income in different ways. We’ll help you:

• Understand what documents are required (SA302s, tax year overviews, accounts, etc.)
• Explain how lenders assess dividends, net profit, retained profit, or day rates
• Match you with lenders that align with your trading history and income structure

We’ll always be honest with you – if it’s not the right time to apply, we’ll tell you what steps to take to improve your chances.

Why Choose Grandi Mortgage Solutions?

• Based in Chinnor with local knowledge of Oxfordshire and Buckinghamshire
• Experience with a wide range of self-employed mortgage scenarios
• Access to a broad panel of lenders, including those who specialise in complex income
• Friendly, jargon-free advice that puts your goals first

Let’s Talk

Book a free consultation today and we’ll talk through your self-employed income, your property goals, and what’s possible.

Book Your Free Consultation

Your home may be repossessed if you do not keep up repayments on your mortgage.