RESIDENTIAL MORTGAGES
Directors
Flexible mortgage solutions designed around business owners, directors, and entrepreneurs.
At Holbrook Capital Finance, we take pride in our deep understanding of this section of the market, largely due to the number of people within our own business who are self-employed themselves. Whether you are trading as a sole trader, partnership, limited company, or hold shares within a company, we help strategise the best lenders to approach in order to optimise your lending potential.
By doing this, we take the time to understand both you and your business situation, allowing us to present your case to lenders in the best possible way so they can see your full potential. In most cases, we are also able to secure specialist provisions to help ensure you can make your next acquisition - whether that is a residential home, buy-to-let property, or commercial investment.
Expert Guidance for Self-Employed Borrowers
MODERN LENDING SOLUTIONS
Access to Flexible & Forward-Thinking Lenders
Many lenders will look at how a business has been trading over a period of two to three years. For most high street banks, they will assess salary and dividends to calculate the income you bring in. However, lending appetite and criteria have evolved, and we now have access to a number of lenders who will consider just one year’s accounts, as well as lenders who are willing to use net profit before tax when assessing affordability.
1 Years Self Employed
Access lenders who consider just one year’s accounts, helping you secure finance sooner than traditional banks.
Retained Profits
We work with specialist lenders who can use retained profits within your business to strengthen your borrowing potential.
Minority Shareholder
Lending solutions for minority shareholders, with lenders who understand complex company structures and income arrangements.
Flexible Income Assessment
In addition, we also work with individuals who shift from traditional employment to contracting, often benefiting from improved pay structures. With over 15 years of experience, we have cultivated exceptional lender relationships, enabling us to have a direct line to the underwriters to consider your situation.