Mortgage Services
Whatever your property goals, I have the expertise to guide you through with confidence.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
First-Time Buyer Mortgages
Stepping onto the property ladder is exciting — but the mortgage process can feel overwhelming, especially if you're self-employed.
Self-employed and buying your first home? It can feel even more daunting when your income doesn't fit the standard boxes. My focus is on helping self-employed first-time buyers identify lenders whose criteria may be suitable for their income structure — so you can get on the ladder with confidence.
I'll explain your options clearly, help you understand what you can afford, and help you explore mortgage options that fit your budget and lifestyle.
Remortgage Advice
Coming to the end of your fixed rate? Don't just roll onto your lender's standard variable rate — it may be worth reviewing your options.
If you're self-employed and your circumstances have changed since your current mortgage — maybe your income has grown, or your company structure has evolved — a remortgage may offer more suitable terms. I'll review your situation and research the options available to you.
Home Mover Mortgages
Upsizing, downsizing, or relocating? I'll handle the mortgage side so you can focus on the exciting parts of your move.
Moving home when you're self-employed? Your income may have changed since your last mortgage, and different lenders may now offer more suitable terms. I'll reassess your full income picture and research suitable mortgage options for your new home.
Buy-to-Let Mortgages
Whether it's your first investment property or you're building a portfolio, I can help you explore suitable BTL mortgage options.
Many self-employed professionals and Ltd company directors invest in property. Whether you're buying in your personal name or through an SPV limited company, I can advise on the options available and research suitable rates. I also work with portfolio landlords holding multiple properties.
Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Protection Insurance
Protecting your home and family is just as important as getting the right mortgage. Our third-party adviser can advise on:
- Life insurance — to clear the mortgage if the worst happens
- Critical illness cover — a lump sum if you're diagnosed with a serious illness
- Income protection — replaces your income if you can't work due to illness or injury
As a self-employed person, you don't have an employer's sick pay to fall back on. Protection is especially important for you.
HTFS Limited are not authorised to provide advice on Protection products, this will be referred to a third-party adviser.
Ready to Get Started?
Book your free, no-obligation consultation today.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.