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5 Reasons To Choose Us For Self-Employed Mortgage Advice
If you are a first-time buyer in Ireland or if you’re considering upsizing to a more spacious home, and you happen to also be your own boss, it’s time to seek self-employed mortgage advice.
While the journey to homeownership can be slightly more complicated for those who work for themselves, securing expert advice from an experienced and reputable provider can both simplify and speed up the process.
In this article, we explore how our team can help you overcome some of the key challenges associated with self-employed mortgages.
1. We specialise in tailored mortgage solutions for self-employed individuals
Navigating the mortgage process as a self-employed individual can have its pitfalls. With reports emerging last year that less than 4% of new first-time-buyer mortgages in 2023 went to self-employed people, it’s easy to feel defeated from the get-go.
To ensure you put your best foot forward and give yourself every chance at mortgage success, it is vital to develop an understanding of what a lender requires from a self-employed individual. This means getting up to speed on the various documentation you will need to present, such as bank statements, Tax Clearance Certificates, certified and audited accounts, and more.
Lenders require a more extensive list of paperwork from self-employed applicants, as this cohort is viewed as higher risk from an investment point of view. If all of your documentation is in order, however, the lender in question will be reassured by your income stability.
This part of the process can be tricky to wrap your head around, with quite a detailed range of records to gather. This is where Symmetry Financial comes in.
With an in-depth knowledge of the unique challenges faced by self-employed individuals such as sole traders, company directors and contractors, our team is best placed to offer expert self-employed mortgage advice, ensuring all of our clients are well informed and well organised.
2. We have access to a wide network of lenders
Over the years, we have built up relationships with a wide range of lenders who are amenable to self-employed applicants. This particular string to our bow enables us to identify the most suitable mortgage options tailored to your specific circumstances.
We do this by comparing various mortgage products to negotiate favourable terms on your behalf. Whether you’re looking for competitive interest rates, flexible repayment options, cashback offers, or lenders who might, in certain circumstances, consider one year’s accounts, we strive to find the best fit for your financial profile.
3. We offer comprehensive self-employed mortgage advice at every stage
Applying for a mortgage involves more than just submitting documents; it requires careful planning and ongoing support.
Our team facilitates this, providing end-to-end assistance from the initial consultation to mortgage approval and beyond. We help you with the preparation of your financial documentation, give you advice on how to present it effectively, while liaising with lenders on your behalf and keeping you informed at every stage.
Our overarching goal is to make the mortgage process as seamless and stress-free as possible, giving you peace of mind that your dreams of homeownership are safe in the hands of the experts.
4. We take a tailored approach to each client
We understand that each client’s financial situation is unique, as are their mortgage requirements.
To build a customised solution to suit each individual, we take the time to thoroughly assess our clients’ income streams, business performance, and long-term financial goals. Taking this personalised, tailored approach enables us to provide bespoke advice and develop a mortgage strategy that aligns with your individual needs.
Our commitment to understanding your personal and professional aspirations ensures that we support you in making informed decisions throughout the mortgage process.
5. We have a reputation for providing expert self-employed mortgage advice
Our success is measured by the satisfaction of our clients, particularly when they achieve their financial goals.
To this end, we have a proven track record of helping self-employed individuals secure mortgages that align with their financial goals. Our clients appreciate our dedication, transparency and the tangible results we deliver.
Our expert insight into the self-employed mortgage process also serves to simplify the process for those we work on behalf of, giving them the confidence to pursue their goal of climbing onto the property ladder, safe in the knowledge that we are in their corner every step of the way.
Look no further than us for self-employed mortgage advice
The importance of expert guidance cannot be overstated when it comes to securing a mortgage as a self-employed individual. A skilled mortgage advisor can ease much of the pressure by assisting with every stage of the process, from gathering the necessary documentation to identifying the most suitable lenders and products that align with your financial profile.
More importantly, an experienced advisor provides tailored, strategic advice based on your unique situation, helping you submit a strong, well-prepared application that maximises your chances of approval.
At Symmetry Financial Management, we pride ourselves on delivering customised self-employed mortgage advice. Our experienced team offers clear, unbiased guidance, working closely with you to secure the mortgage solution that best fits your individual needs and financial goals.
Contact us today to schedule a free consultation and discover how we can help you secure the mortgage you deserve.
If you’d like a free, no-obligation consultation for your mortgage, pension or financial needs, get in touch here, call us on 01 6831673 or email us directly on info@symmetryfinancial.ie.
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