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About us
I've been the one being told no.
Before I did this for a living, I was a contractor trying to buy my first home.
Three brokers told me I couldn't afford it.
I saw three mortgage brokers. All three told me I couldn't afford what I needed. I was earning plenty. On paper it should have been straightforward. The answer kept coming back the same.
What stuck with me wasn't the decline. It was walking out of that last appointment feeling like an idiot for having asked, as though wanting a mortgage on a contractor's income was somehow unreasonable.
It wasn't. Eventually I found a broker who specialised in contractor mortgages, who knew which lenders would look at a day rate properly. Same income, same deposit, same person. The only thing that changed was who was looking at it.
That's the whole reason this business exists.
That's why this business exists
Nothing about my situation was complicated. It was just unfamiliar to the people assessing it. And when a lender or a broker doesn't understand how you earn, "no" is the easy answer.
That's the gap this business fills. Not every case can be placed, and we'll tell you honestly when yours can't. But almost every case deserves a proper look from someone who understands it, rather than an automated no and a walk back to the car park.
Why self-employed income is where we're strongest
I've got a background in accounting, and I've been contracting or self-employed for most of my working life. So when your income comes from a day rate, or a set of accounts, or dividends plus retained profit, I'm not seeing it for the first time.
That matters more than it sounds. Two lenders can look at identical accounts and arrive at completely different figures, because they don't agree on what counts as your income. Knowing how each one reads it, and knowing which questions your accountant needs to answer before we apply, is most of the job.
A lot of people come to us after being told no somewhere else. That's become the thing we're known for.Our Google reviews are the honest version of how that goes
What clients say
Read them all on GoogleRecognition
- Best Mortgage Broker in Wirral 2024, Quality Business Awards UK
- Best Specialist Mortgage Broker in Wirral 2025, Quality Business Awards UK
- Whole-of-market access to over 80 lenders
- Appointed Representative of Stonebridge Mortgage Solutions Limited
How we work
We're a small team, and that's deliberate. Mortgage advice, protection advice and the admin that keeps an application moving are all handled in-house by people who know your case.
Nobody asks you to re-explain your situation to a stranger. Calls get returned. Emails get answered. You'll know what's happening with your case because we'll tell you before you have to ask.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Not sure where you stand?
A first conversation costs nothing and commits you to nothing. Tell us what's going on and we'll tell you honestly what your options look like, including if the answer is "not yet".
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.