Self employed mortgages
Let us help.

Highly experienced, trusted and professional advisers for mortgages, family protection insurance, wills and home and contents insurance.






Self Employed Mortgages

There are many perks to being self-employed or owning your own company including the flexibility to choose your hours and being in control of your own finances.

However, one of the biggest challenges that many business owners and directors face is trying to get a mortgage.

This, in part, is down to the fact that lenders do not always consider the “full picture” of the business when it comes to making a decision about whether or not to approve your application.

For example, lenders may not take into account the fact that some directors may deliberately take a modest salary and choose to keep the profit within the business instead.

Many lenders currently ask for three years’ accounts to prove income on a mortgage application, which can make it difficult for new business owners to get approved.

Directors who face differing levels of annual turnover can also encounter problems when “averaging calculations” reduce the amount of capital available to borrow.

Quick Call back

Accept Privacy Policy


Why FirstXtra?

Long established family run business

Providing personal, professional and honest advice, putting the customers best interests at the heart of everything we do.

Award winning for Quality and Service

This is shown by the number of 5 star reviews we receive on the independent site Feefo.

We are personable and friendly

We provide a fully individual and bespoke service to each customer and we genuinely care about your experience.

Taking the hassle out of the process

Making it as simple and stress free
as possible for you.

We don’t just do Mortgages!

We also provide you with bespoke family  and home protection products.

On hand to contact

We will be there through the life of your mortgage and protection policies with immediate response times.


Found your dream home but not sure if you can afford it?

Find out how much you can expect to pay back with our free mortgage calculator tool.

Simply enter the mortgage amount, your deposit, interest rate and the term of the mortgage and we will calculate the estimated monthly repayments for you based on the information you provide.

Mortgage Calculator

Please note: This calculation is a guide to how much your monthly repayments would be. The exact amount may vary from this amount depending on your lender’s terms.


Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

First Time Buyer


Moving House

Low Deposit

Buy to Let

Shared Ownership

Self Employed

Life Insurance

Critical Illness Cover

Income Protection

Home Insurance

About us

Meet the Team