Self-Employed?
Let's Explore Your Mortgage Options.
Mortgage advice with a focus on self-employed clients, including Ltd company directors, contractors, and self-employed professionals in Bromley and South East London. I have experience in how self-employed income is assessed by lenders and can help identify lenders whose criteria may suit your circumstances.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Free initial consultation. A fee may be payable for mortgage advice depending on your circumstances.
Being Self-Employed Shouldn't Make Getting a Mortgage Harder
But right now, it often does. Here's what typically goes wrong — and how I fix it.
- × Banks don't understand salary plus dividends and assess you on PAYE only
- × Generalist brokers submit to the wrong lenders and you get declined
- × You're offered far less than you can actually afford
- × You're told to come back when you have 2–3 years of accounts
- × You assume you just can't get a mortgage at all
What I Do Differently
- ✓ I have experience in how different lenders assess self-employed income
- ✓ I help identify lenders whose criteria may be suitable — salary + dividends, retained profits, day rates
- ✓ I present your information clearly so underwriters can see the full picture
- ✓ I research suitable options from the lenders available to me
- ✓ You deal with me personally, start to finish
Mortgage Services for Every Situation
Whatever your property goals, I have the expertise to guide you through with confidence.
Self-Employed & Complex Income
Ltd company directors, contractors, freelancers — I understand how lenders assess your income and which lenders may be suitable for your circumstances.
First-Time Buyers
Getting on the ladder for the first time? I'll guide you through the whole process and help you explore mortgage options that fit your budget.
Remortgages
Coming to the end of your deal? I'll review your current mortgage and research suitable remortgage options, which may reduce your monthly payments depending on your circumstances.
Home Movers
Upsizing, downsizing, or relocating? I'll handle the mortgage side so you can focus on the move.
Three Steps to Your Mortgage
Simple, transparent, and designed to help you understand suitable mortgage options.
Free Initial Consultation
We'll chat about your situation, income structure, and goals. No commitment, no cost, no jargon.
I Research Suitable Options
I research lenders available through our network panel to identify suitable options for your income type.
Application to Completion
I handle the full application, liaise with the lender, and keep you updated every step of the way.
I'm Harry Tancred — and My Focus Is Self-Employed Mortgages
I started my career in estate agency at 19, spending five years helping people buy and sell homes. That experience showed me how stressful the mortgage process can be — especially for self-employed buyers who don't fit the standard boxes.
Now, as a qualified mortgage adviser (CeMAP) and director of HTFS Limited, my focus is on helping self-employed professionals, Ltd company directors, and contractors explore suitable mortgage options. I'm based in Bromley and work with clients across South East London, and I'll handle everything from start to finish.
More About MeWhat My Clients Say
Don't just take my word for it.
"Harry explained the process clearly and helped us understand our mortgage options. As first-time buyers, we appreciated the straightforward guidance."
"Harry was professional and responsive throughout. He explained our remortgage options clearly and kept us informed at every stage."
"Being self-employed, I wasn't sure where to start. Harry took the time to explain how different lenders might assess my income and guided me through the process."
Let's Explore Your Mortgage Options
Self-employed? Ltd company director? Book a free, no-obligation chat and I'll give you a clear picture of your options.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.