Jack – Freelance, frustrated… and finally a homeowner

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 Profile Jack (31) is a self-employed videographer based in Hampshire, […]

£9k salary, £65k dividends and still mortgage approved

£9k salary, £65k dividends and still mortgage approved Context Our client, a 43-year-old director of a small but profitable marketing consultancy, had been running his business for over five years. Like many directors, he kept his PAYE salary low at £9,000 per year and relied on dividends fro the remainder of his income – around […]

First-time buyer approved after just 1 year of self-employment

First-time buyer approved after just 1 year of self-employment Context Our client, a 32-year-old freelance copywriter, had recently gone self-employed after a successful career in marketing. With just one year of trading history, she had already filed her first tax return and built up a consistent stream of clients. She was ready to take the […]