Ian Brett Mortgage Adviser

Ian Brett Mortgage Adviser Kent based mortgage broker helping people to save money on their residential and buy to let mortgages

11/04/2026

High street banks don’t dislike self-employed people...
they just don’t always understand us.

They’re used to seeing the same payslip,
month after month.
But that’s not how it works when you’re self-employed.

💸 📈
Fluctuating income.
Multiple revenue streams.
Dividends. Growth. Dips.

It’s different — and that’s okay.
The good news?
Specialist lenders do understand.
They recognise the peaks and dips.
They know how to read your income properly.
So if a high street bank has said "no"...
that’s not the end of your journey.

It just means you haven’t spoken to the right people yet.
If you’re self-employed, a limited company director,
or juggling multiple income streams -
Let’s chat 🤝
And find a lender who sees the full picture,
not just a snapshot.



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS.

09/04/2026

I don’t talk about this very often...

A few years ago, I had a car repossessed.

That one event had a serious impact on my credit and made getting a mortgage feel out of reach.

But over time, I made the decision to understand the system, to learn how it works and explore the options available.

Eventually, I was able to secure a mortgage and move into my first home.

That experience is a big part of why I became a mortgage advisor.

Today, I work with people who’ve faced similar challenges, as well as those who are self-employed, helping them understand their options and navigate the process.

If you’ve had credit issues or feel like your situation is holding you back, feel free to get in touch for a chat about what may be possible for you.



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS.

07/04/2026

Been declined for a mortgage by your bank?
You’re not alone and it doesn’t mean it’s the end of the road.
Here’s how I help my clients turn a “no” into a “yes” 👇

First, we take a clear, honest look at why you were declined, even if you’ve been with your bank for 20 - 30 years.

Then, we:
✔️ Assess your full situation
✔️ Identify lenders who are more likely to approve you
✔️ Refine and strengthen your paperwork
✔️ Package your application the right way

Finally, we approach the lender that is best suited to your case, the one most likely to say yes.
If you’ve recently been declined and still want to buy, move, or upgrade your home, let’s talk.
We’ll figure out what went wrong and how to get you approved.

✉️ Drop me a DM and let’s see if we can get you the yes you deserve.



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS.

27/03/2026

🚫 Been declined for a mortgage? Read this.

One of my clients came to me after being declined twice.

The problem?
❌ Not their income
❌ Not their affordability

👉 It was the lender they were using… and how that lender assessed their income

After going through everything properly…
✔️ Reviewing their documents
✔️ Packaging their case correctly
✔️ Presenting their accounts clearly

We got them a YES ✅
— with a lender who actually understands limited company directors

Here’s the truth most people don’t realise 👇
Sometimes the problem isn’t you… it’s the lender.

Different lenders = different criteria
And the right match can be the difference between a decline and an approval

If you’ve been declined and don’t know where to turn…

📩 Drop me a DM and let’s see if we can get you the yes you deserve



YOUR HOME WILL BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS

11/03/2026

Things are changing and if you’re self-employed or a limited company director, it could affect your chances of getting a mortgage.

Here are 3 changes that could impact you 👇

1️⃣ Lender income assessments are constantly evolving
How lenders calculate self-employed income changes regularly. What worked last year might not work today.

2️⃣ Government policy can shift
Rules and regulations can change, which may affect borrowing power or lender criteria.

3️⃣ Interest rates are likely to move
While rates may settle lower over time, timing and lender options still matter when planning your move.

⚠️ The key thing to remember is this isn’t a reason to panic.

With the right advice and the right plan, you can still put yourself in a strong position to afford your dream home.

If you’re self-employed or a limited company director and thinking about buying property in the near future

📩 Drop me a DM and let’s have a chat about your options.



YOUR HOME WILL BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS

07/01/2026

If you’re self-employed and assuming your bank will “just get” your income… this one’s for you 👇

Banks love neat payslips and P60s.
They’re not great with accounts that look a bit more like a jigsaw puzzle.

And no - that’s not your fault.

The good news? You might be far more mortgage-ready than you think.
It’s often not about earning more - it’s about finding the right lender who actually understands how you’re paid.

When we match you with the right lender, the process becomes simpler…
and you may even find you can borrow more than you expected.

If buying or moving this year feels uncertain, let’s talk it through.
No pressure, no jargon - just a proper conversation about your options.

📩 Drop me a message and let’s see if we can make your property plans happen this year.

01/01/2026

So here we are… 2026 🎉

2025 was an interesting year for the property market, especially towards the end. With the Renters Reform Bill and Rachel Reeves’ budget, a lot of people I spoke to were understandably holding back – whether they were investors or buying their own home.

Now the uncertainty feels like it’s settled, I’m genuinely hopeful that 2026 will be a stronger year. Many estate agents are telling me they’ve got new properties ready to come to market, and as Christmas is out of the way, that familiar “let’s move in the New Year” mindset is kicking in.

If 2026 is the year you’re thinking about buying – whether that’s your main residence, an investment property, commercial finance, or even land to develop – and you want clarity on costs and the best way to fund it, drop me a message.

We’ll have a chat, look at your options, and work out the best way forward for you.

Happy New Year – I’m looking forward to working with you in 2026.

YOUR HOME WILL BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS

𝗦𝘁𝗶𝗹𝗹 𝘁𝗵𝗶𝗻𝗸 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝘄𝗮𝗶𝘁 𝟮 𝘆𝗲𝗮𝗿𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲? 🤔That’s what most high street banks will tell you…Bu...
27/06/2025

𝗦𝘁𝗶𝗹𝗹 𝘁𝗵𝗶𝗻𝗸 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝘄𝗮𝗶𝘁 𝟮 𝘆𝗲𝗮𝗿𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲? 🤔

That’s what most high street banks will tell you…
But that’s not the whole story.

✅ Some lenders will accept just 𝟭 𝘆𝗲𝗮𝗿 of accounts
✅ Others will work with 𝗱𝗮𝘆 𝗿𝗮𝘁𝗲 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁𝗼𝗿𝘀 or even 𝗽𝗿𝗼𝗷𝗲𝗰𝘁𝗲𝗱 𝗶𝗻𝗰𝗼𝗺𝗲
✅ Some dig into your business performance — 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝘆𝗼𝘂𝗿 𝗽𝗮𝘆𝘀𝗹𝗶𝗽

So if you’ve recently gone self-employed and assumed home ownership is off the table…
𝗧𝗵𝗶𝗻𝗸 𝗮𝗴𝗮𝗶𝗻.

You don’t need to settle for “computer says no.”
You just need the right advice from someone who actually understands your setup — and which lenders are ready to support you.

📩 Message me and I’ll show you your real options —
Not just what the high street says.

YOUR HOME WILL BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS

25/06/2025

🚫 𝗧𝗵𝗲 𝟮-𝗬𝗲𝗮𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝘂𝗹𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗦𝗲𝗹𝗳-𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗱? 𝗢𝘂𝘁𝗱𝗮𝘁𝗲𝗱.

Have you been told you have to wait two or three years before you can get a mortgage?

That advice is stuck in the past.

Yes — most high street banks still want 2+ years of accounts.
But they’re not the only option anymore.

✅ Some specialist lenders will accept just 1 year of trading
✅ Others will look at projected income or day rate contracts
✅ Some even assess the true performance of your business, not just what you pay yourself

If you’re self-employed and just starting out, don’t assume you’re locked out of the market.

The truth is:
You don’t need to wait — you just need the right adviser who knows where to look.

📩 Message me and I’ll show you what’s actually possible…
Not just what the high street tells you.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗪𝗜𝗟𝗟 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗪𝗜𝗧𝗛 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦

📉 𝗢𝗻𝗹𝗶𝗻𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿𝘀 𝗔𝗿𝗲 𝗟𝘆𝗶𝗻𝗴 𝘁𝗼 𝗬𝗼𝘂.If you’re self-employed or a limited company director, those “how much ca...
23/06/2025

📉 𝗢𝗻𝗹𝗶𝗻𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿𝘀 𝗔𝗿𝗲 𝗟𝘆𝗶𝗻𝗴 𝘁𝗼 𝗬𝗼𝘂.
If you’re self-employed or a limited company director, those “how much can I borrow?” tools are NOT built for your situation.

They’re made for people with a simple PAYE salary — not for those with:
✔️ 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
✔️ 𝗥𝗲𝘁𝗮𝗶𝗻𝗲𝗱 𝗽𝗿𝗼𝗳𝗶𝘁𝘀
✔️ 𝗙𝗹𝘂𝗰𝘁𝘂𝗮𝘁𝗶𝗻𝗴 𝗶𝗻𝗰𝗼𝗺𝗲
✔️ 𝗖𝗼𝗺𝗽𝗹𝗲𝘅 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀

I’ve seen it too many times:
Someone sees a big number online… gets excited… then rejected by a lender because their income doesn’t fit the calculator’s assumptions.

✅ What you can borrow depends on how you’re paid, which lenders you speak to, and how your business is viewed — not a one-size-fits-all formula.

🎯 Before you go house hunting, get the facts.
📩 Message me and I’ll give you a proper affordability check, tailored to your income setup.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗪𝗜𝗟𝗟 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗪𝗜𝗧𝗛 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦

💡 𝗧𝗛𝗜𝗡𝗞 𝗬𝗢𝗨 𝗖𝗔𝗡’𝗧 𝗚𝗘𝗧 𝗔 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗕𝗘𝗖𝗔𝗨𝗦𝗘 𝗬𝗢𝗨𝗥 𝗜𝗡𝗖𝗢𝗠𝗘 𝗟𝗢𝗢𝗞𝗦 𝗧𝗢𝗢 𝗟𝗢𝗪? 𝗥𝗘𝗔𝗗 𝗧𝗛𝗜𝗦.Your accountant’s doing a great job saving...
18/06/2025

💡 𝗧𝗛𝗜𝗡𝗞 𝗬𝗢𝗨 𝗖𝗔𝗡’𝗧 𝗚𝗘𝗧 𝗔 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗕𝗘𝗖𝗔𝗨𝗦𝗘 𝗬𝗢𝗨𝗥 𝗜𝗡𝗖𝗢𝗠𝗘 𝗟𝗢𝗢𝗞𝗦 𝗧𝗢𝗢 𝗟𝗢𝗪? 𝗥𝗘𝗔𝗗 𝗧𝗛𝗜𝗦.

Your accountant’s doing a great job saving you tax —
But to most lenders, that same low salary and minimal dividends make you look like you can’t afford a mortgage.

Even if your business is booming. Even if your retained profits are solid.
❌ Banks don’t care — they just see what you draw personally.

I’ve seen clients making over six figures on paper, still getting declined.
Why? Because their accountant’s done too good a job.

✅ The solution isn’t to pay loads more tax.
It’s to work with someone who understands your tax setup and how lenders really assess affordability.

📩 Planning to buy or remortgage in the next 2 years?
Let’s run the numbers the right way.

𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗪𝗜𝗟𝗟 𝗕𝗘 𝗥𝗘𝗣𝗢𝗦𝗦𝗘𝗦𝗦𝗘𝗗 𝗜𝗙 𝗬𝗢𝗨 𝗗𝗢 𝗡𝗢𝗧 𝗞𝗘𝗘𝗣 𝗨𝗣 𝗪𝗜𝗧𝗛 𝗥𝗘𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦

Address

Aylesford

Telephone

+447830353247

Website

Alerts

Be the first to know and let us send you an email when Ian Brett Mortgage Adviser posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Ian Brett Mortgage Adviser:

Shortcuts

Share

Category