Welcome to our Real Life Earners Report

Some 4.4m individuals are now self-employed in the UK, encompassing a wide range of employments from highly paid consultants to freelancers, small businesses, gig economy workers and more. Yet, despite their success (and often high-income levels), many have had their mortgage applications rejected by traditional high street lenders. This is often because their income is viewed as being too volatile or seasonal. These earners are often more than, or just as, financially astute and reliable as those paid through PAYE (Pay as You Earn).

They may also benefit from  the ability to flex their incomes and increase them as needed, unlike more ‘conventional workers’. We specialise in providing our broker partners with Residential and Buy-to-Let mortgages for “real life” earners who don’t fit the high street’s cookie-cutter model. Instead, we provide solutions for a wide variety of employment and income types. As an industry leader, we work hard to keep on top of our audiences’ fast changing needs and carry out extensive research with brokers and end-customers.

This white paper details just some of the insights from our research on the obstacles the self-employed are facing and the successes they can have when accessing specialist mortgages tailored to their specific needs.

Please note article content was accurate at time of publishing.