Category: Self-Employed Mortgages

  • CIS Mortgage Advice

    CIS Mortgage Advice

    CIS Mortgage Advice for Construction Workers | Kerr & Watson If you work under the Construction Industry Scheme (CIS), you might have experienced challenges when trying to secure a mortgage. Traditional lenders often view CIS workers as higher risk due to irregular income patterns and self-employment status. At Kerr & Watson, we specialise in understanding… Read more

  • Documents Needed for a Self-Employed Mortgage

    Documents Needed for a Self-Employed Mortgage

    Essential Guide to Applying for a Self-Employed Mortgage Applying for a mortgage as a self-employed individual can feel daunting, especially when it comes to gathering the right documentation. Unlike salaried employees, who present payslips and a P60, self-employed applicants need to provide a more detailed financial picture to prove their income. At Kerr & Watson,… Read more

  • Can you get a mortgage using dividends

    Can you get a mortgage using dividends

    Can you get a mortgage using dividends? Yes – Many mortgage lenders will accept dividend income as part of your mortgage application. If you are a company director paid through salary and dividends, lenders will usually assess both forms of income together. However, every lender assesses this differently, which is why choosing the right lender… Read more