Jack - Freelance, frustrated... and finally a homeowner
- Occupation: Videographer, self-employed
- Income: ~£40k but variable
- Goals: Get on the property ladder
- Pain Points: Struggles to prove income, banks won’t lend easily
- What He Needs: An advisor who understands freelancers and can get creative with lenders
Jack (31) is a self-employed videographer based in Hampshire, earning around £40,000 annually. His income is solid, but variable typical of many creatives working project to project.
After years of renting, he was finally ready to buy his first home outright with a standard mortgage.
To purchase a 1-bedroom flat in a good location, with a lender who understands his freelance income.
1. “Banks don’t get how I earn.”
Jack had three years of self-employed income, but because it wasn’t in the form of a monthly salary, most hight-street banks turned him away.
“I earn well, but it’s not always the same each month. Lenders just saw that as a red flag.”
2. “Mortgage advice felt like a different language.”
The websites, forums and advisers he spoke to were full of terms he didn’t understand-LTV, affordability models, decision in principal.
“I work with clients every day. I’m used to clear communication. The mortgage world felt the complete opposite.”
3. “I couldn’t afford to waste time or risk rejection.”
With interest rates on the move and his dream flat available, Jack didn’t want to waste weeks applying to unsuitable lenders.
“I was worried I’d tank my credit score and still end up with a ‘computer says no’ situation.”
We understand how freelancers work.
Jack’s advisor reviewed his SA302s, tax returns and business trends not just the headline figures. We knew which lenders would assess his true earning potential, not penalise him for fluctuating income.
“It was the first time I felt like someone actually got how freelance income works.”
We spoke his language.
Instead of complex jargon, we walked Jack through every step clearly and confidently what documents to send, how much he could borrow, what to expect next.
“They made it feel like a normal process – not some financial maze.”
We found the right lender-fast.
With access to over 300 lenders, we matched Jack with one who’s known for working with freelancers and creatives. No rejections. No wasted time.
“Within two weeks, I had a mortgage offer in my hand. I genuinely didn’t think it would be that smooth.”
- Mortgage offer secured with a flexible, freelance-friendly lender
- Full application submitted and approved within 2 weeks
- Moved into his first property without a single rejection or delay
“I thought being freelance would hold me back. Kingston proved it didn’t have to. They made it easy.”
- Expertise with self-employed clients: We know how to present income to lenders
- Whole-of-market access: 300+ lenders, inculding those that value non-traditional earnings
- Flexible communication: In person, WhatsApp, Zoom, phone whatever works for you
- Clear advice: No jargon. Just honest, personal guidance from day one
Self-Employed? Don’t Let That Stop You.
If you’re a freelancer or sole trader ready to buy, you don’t need to jump through hoops.
At Kingston Finance Ltd, we turn complex income into approved mortgages without the drama.
You’ve built your business. Now let’s build your future.