Our recent Home A-Loan report shows just how tough the mortgage landscape has become. 38% of adults feel worse off than 2024 as rising costs tighten their budgets.
Yet the drive to own a home hasn’t faded. It’s only getting stronger.
Across the UK, bold borrowers are adapting fast – 17% have taken on second jobs or side hustles to stay on track. And despite the pressure, 49% remain optimistic about their long-term financial future. These are the doers, the makers, the self-starters – the ones refusing to step back.
And we’re here for them. Those bold enough to start their own business. Who side-hustle. Who become their own boss. It’s a brave new world, and self-employment isn’t always predictable. Income can change month to month. But the dream of owning a home doesn’t go away.
Our residential mortgage offering is designed for them:
- We look at profit before tax plus salary for limited company directors, giving a greater capacity to lend
- We look at latest year’s figures for self-employed
- We assess up to 100% of second job income*
- Up to 95% LTV residential mortgages
- Up to 5.5x LTI
Have a client in mind? See how we can help them below.