Self Employed Mortgage Success Story

Helping a Self Employed Parent Secure His New Home in London

When Andreas came to us, he had already been turned away by five brokers. He works as a self employed cameraman and film producer, and although he has a solid track record, he kept hearing the same thing. His income was “too complex” and lenders would not support the purchase. Meanwhile, the seller was losing patience and the estate agent made it clear that he was running out of time.

After a recent divorce, saving a bigger deposit was not possible. If he could not get a mortgage offer soon, he would lose the home he had already had an offer accepted on.

Taking the Time to Understand His Real Income Story

When Andreas was introduced to Peter Dickson at Prestige Private Finance, the first step was to go through his situation properly. Self employed clients often get boxed into a very narrow affordability view, so Peter dug into how Andreas’s contracts worked, what his income looked like across the year, and how long he had been working consistently in the film industry.

It quickly became clear that his circumstances were not the issue. The problem was how they had been presented. His income needed to be shown in a way that reflected the reality of his work, not just a simplified number on paper.

Rebuilding the Application and Finding the Right Lender

Peter restructured the full application so the lender could see the depth and stability of his contract history. He then approached a lender known for taking a more practical view of self employed income. Because of our strong relationship with them, the case was reviewed quickly and moved straight to offer.

Within five working days, Andreas received a full mortgage offer. As rates dropped before completion, Peter was also able to secure a lower rate, improving the final outcome even further.

The Result - Self Employed Mortgage Success

Andreas kept the home he was close to losing.He secured a competitive rate.He didn’t need a bigger deposit.And the stress he had been carrying for months finally eased.

For a parent rebuilding life after a divorce, securing this home meant stability and a fresh start. All he needed was someone who could see the full picture and present it properly.

Client Feedback

“I am self employed and was struggling to secure a mortgage. Before being introduced to Peter at Prestige Finance, I had spoken to five other brokers who all said they couldn't help.

Not only did Peter get me a mortgage, but one at a very competitive rate. Couldn't recommend highly enough. Thank you.”