Being self-employed comes with freedom and flexibility, but getting a mortgage can feel daunting. Your accounts, dividends, salary and retained profits tell a story that lenders often overlook.
With 20+ years helping self-employed clients to secure the right mortgages, we know how to present your income clearly, communicate with lenders, and unlock the borrowing you require. We offer friendly, expert advice and guidance from start to finish.
© The Surrey Mortgage Broker
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We are typically paid from a combination of commission from the mortgage provider and fees by the client. Our typical fee is £495.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
The Surrey Mortgage Broker is a trading name of RSB Money Limited who are an appointed representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
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No-Obligation Consultation
Ready to Secure Your Future?
Take the first step towards securing your mortgage, whether you’re a sole trader, business owner or limited company director. Complete the form and one of our experts will reach out to you promptly to discuss tailored solutions from our whole-of-market lender network.
The Surrey Mortgage Broker, located in the heart of Farnham, Surrey, has earned its reputation as a paragon of mortgage and protection excellence. Our founder, Richard Bousfield, has been advising on mortgages since 1999 and was joined by CeMAP-qualified adviser Maria Dankova in 2024. Our certified team of experts is not only dedicated to delivering top-quality advice but also upholds values of transparency, approachability, and trustworthiness, making customer satisfaction our unwavering priority.
We stand as your trusted partner for all mortgage-related needs. Our Farnham and Woking bases allow us to offer local insight while working nationally. We’re committed to making your mortgage experience as clear, stress-free and results-driven as possible.
Expert Guidance for Every Mortgage Journey
Getting a Mortgage with Our Help is Really Simple
Get in Touch
Complete the 1-minute form and find the best time to talk.
We’ll Look for a Great Mortgage
Tell us about your situation and we’ll start the search.
We’ll Hold Your Hand
We’ll advise you on your options and help you choose the right one
Our specialist approach is designed to support self-employed business owners at every stage of the mortgage process. We understand the unique challenges that come with complex income structures and changing financial profiles, and we tailor our advice accordingly. From initial assessment through to completion, our focus is on making the journey clear, efficient and stress-free.
Specialist Mortgage Services for Business Owners
Tailored Mortgage Solutions
Experts for the Self-Employed
5-Star Customer Reviews
Support from Day 1
OUR KEY EXPERTISE
ABOUT US
HOW IT WORKS
Running a Business Is Hard Enough, Your Mortgage Shouldn’t Be
No obligation 30-Minute Consultation
Book your 30‑minute consultation with our team and see how being self‑employed can work to your advantage. We'll review your circumstances, explain your mortgage options in plain English, and show you how we go the extra mile to deliver results.
Success Stories From Our Valued Clients
All The Way ‘til The End
We stay with you until you move in
We understand your business and financials to give lenders the full picture.
We work through complex documentation and can speak directly with your accountant to ensure lenders get exactly what they need.
With access to specialist lenders, we can use retained profits, pre-tax earnings and even your latest year's performance to boost affordability.
You are building a successful business, but when you start looking at getting a mortgage, it is hard to understand where to start.
Having helped hundreds of self-employed clients over the years, we see the following hurdles that we often help to overcome.
Struggling to secure the desired mortgage while running your successful business? We are here to help!
Complex Documentation Requirements
We handle accounts, SA302 forms and business bank statements efficiently.
WHY CHOOSE THE SURREY MORTGAGE BROKERS
Income Verification vs. Tax Liability
Access lenders accepting retained earnings and pre-tax profit for mortgages.
Sole Trader to Ltd Company Status
Previous sole trader performance is considered when calculating your lending capacity.
Capitalising on Your Business Success Faster
Latest year's income used, not historical averages for assessments.
Having helped hundreds of self-employed clients over the years, we see the following hurdles that we often help to overcome.
Whether you're newly self-employed, rapidly scaling, or transitioning from sole trader to limited company, we match you with the right lenders to secure a positive outcome.