For company directors, self-employed professionals, CIS and other contractors, agency workers, UK visa holders, people with CCJs or adverse credit, and borrowers with larger mortgage requirements.
Begin with a brief outline of your income, deposit, property and timeframe.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Fixer supports business owners, self-employed people and professionals whose income structure, contract history, visa status or credit history may not fit a standard application.
The initial review considers how you earn, your accounts or contract history, deposit, property requirements, existing commitments and timeframe before potential options are discussed.
See how we assess complex mortgage applicationsSelect the mortgage situation closest to yours. The initial conversation will identify the income, credit and property information needed for a closer assessment.
For limited company directors, relevant income may include salary, dividends and, in some cases, retained profit. How these are assessed depends on the lender and the evidence available.
Enquire about company director mortgagesIf you have been trading for around one year, some lenders may consider recent accounts and other supporting evidence. Previous experience, deposit, credit profile and business performance can also matter.
Discuss a one-year trading mortgageFor sole traders, declared taxable income and recent trading history may be more relevant than turnover alone. The assessment depends on the lender and the evidence available.
Enquire about sole trader mortgagesCIS payment statements, deductions, recent earnings and work history may all be relevant. We help organise the information needed to present your income clearly.
Enquire about CIS contractor mortgagesContract length, time remaining, renewal history, experience and continuity of work may affect how income is assessed.
Discuss contractor or agency worker mortgagesVisa type, time remaining, UK residency history, deposit, income and credit profile can all affect lender criteria. We review the details before discussing potential options.
Enquire about mortgages for visa holdersThe date, amount, reason and status of a CCJ may be considered alongside the rest of your credit history and deposit. Acceptance is never guaranteed.
Discuss a mortgage after credit problemsHigher-value borrowing can involve a more detailed affordability assessment, multiple income sources and additional evidence.
Discuss a larger mortgage requirementIf debt consolidation is being considered, the effect on monthly payments, repayment term, total cost and the security over your home must be assessed carefully.
Discuss mortgage options involving debt consolidationWhere income or circumstances are less conventional, the appropriate route depends on the detail and available evidence. We organise that information clearly and explain the basis of any recommendation.
Separate turnover, profit, salary, dividends, contract value and sustainable earnings.
Test the details against the confirmed lender scope and explain the important trade-offs.
Make the supporting information clear, consistent and ready for the questions likely to follow.
Evidence structured
Begin with a brief outline of your circumstances. We will explain which information and documents may be needed next.
Share the relevant details
Outline your income, credit history, deposit, property requirements and timeframe. Supporting documents can follow when requested.
Review the available options
We identify the points that need closer assessment and explain how they may affect the available options.
Proceed with the evidence ready
If you decide to proceed, we explain the recommendation, organise the case and keep you clear on what happens next.
Led by Sam Scheitler, Mortgage Fixer works with business owners, self-employed people and professionals whose income, employment, residency, credit history or borrowing requirements need closer attention.
The approach is deliberately plain-speaking: understand the case, set realistic expectations and make each next step easy to follow.
sam@clarkmortgage.co.ukThese are general answers, not personal mortgage advice. Your circumstances determine what is available.
Use the enquiry form to provide a brief outline of your income, borrowing requirements, property, deposit and timeframe, or book an initial call. You do not need to send supporting documents with your first enquiry.
Discuss your mortgage requirements
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home. Extending the repayment term may reduce monthly payments but increase the total amount repaid.
A fee may be payable for mortgage advice. The exact amount, what it covers and when it becomes due will be confirmed before you proceed.
The complete privacy notice must identify the confirmed data controller, lawful bases, recipients, retention periods, your rights and the route to complain to the ICO.