Be Mortgages

23/10/2025

SELF-EMPLOYED? LOOKING TO GET A MORTGAGE?

There are 100 days to go until the 2025 self-assessment tax deadline.

If you are looking to get a new mortgage (or renew your existing one) within the next few years, as tempting as it it to try and reduce your tax bill, you must THINK AHEAD and declare enough income to support the lenders affordability for your mortgage. Lenders want to see the must recent 2 years of HMRC tax documents.

It’s also important to speak to a mortgage adviser before you change from employment to self-employment or self-employment to employment because lenders have very strict criteria surrounding this that needs to be satisfied before they will approve you for a mortgage.

Mortgage Lenders are now only working with year end April 2025 and April 2024 tax documents for mortgage lending and will no longer accept 2023. So if you are applying for a mortgage now or within the next few months you will need to submit your tax return asap.

I am an expert with mortgages for the self-employed so if you need any advice please just ask 🙏🙏🙏 www.bemortgages.co.uk

01/08/2024

** POSITIVE NEWS ** Bank of England CUTS Interest Rate Rise by 0.25%. At last positive news for home buyers, sellers and anyone needing to switch their existing mortgage deal. Read everything you need to know on my website link below 👇

https://bemortgages.co.uk/bank-of-england-cuts-interest-rate-rise-by-0-25-1st-august-2024/

10/05/2024

Happy Friday … lovely to end the week with a special delivery and kind words or appreciation for all my hard work ☺️☺️☺️

‘To Beth thank you so much for being the best mortgage broker I could wish for! You’ve gone above and beyond to help me I wouldn’t have got this far without you. I am so grateful. Love Amber P x’

06/04/2024

Are you self-employed? MUST READ!!! Today 6th April 2024 HMRC are open for submisison of your latest tax return. If you are considering getting a new mortgage or renewing your existing mortgage within the next 12-24 months then this article I have written is a MUST READ. It contains all the DO's and DONT's to make sure you get approved for a mortgage. The earlier you start preparing yourself the better!

Being self-employed doesn’t mean you can’t get a mortgage, and it doesn’t mean that you have to pay higher rates! It just means you will have to jump through a few more hoops and provide more…

28/03/2024

The £5000 Deposit Mortgage for First Time Buyers - EVERYTHING YOU NEED TO KNOW!

Yorkshire Building Society (who also own the broker only lender ‘Accord Mortgages’) launch £5k (1%) deposit mortgages for First Time Buyers. Follow our website link below to find out more!

https://bemortgages.co.uk/the-5000-deposit-mortgage-for-first-time-buyers/

#£5000depositmortgage

12/03/2024

Yet another outstanding 5* review to add to the collection 🙏🏻🙏🏻🙏🏻 if you are looking for the best mortgage adviser get in touch 🙏🏻🙏🏻🙏🏻

20/02/2024

Cheees to that 🍸🍸🍸🥂🥂🥂🙏🏻🙏🏻🙏🏻❤️❤️❤️

https://maps.app.goo.gl/T8ro79t9XRWu59s18?g_st=ic

05/09/2023

And the gratitude gifts keep on coming ❤️❤️❤️
“Thank you for all your help with purchasing our first home. We are so grateful. From Farina and Azeem”

Expert Mortgage & Property Advice - 100% client satisfaction, 100% of the time

11/07/2023

The Mortgage Charter 2023 - What is it? And what support does it mean for existing mortgage borrowers struggling to make their mortageg payments? Read everything you need to know here

Mortgage Charter … What is it? And how can it help you as an existing mortgage customer? On June 26, 2023, the UK government introduced a new initiative known as the Mortgage Charter. This de…

24/05/2023

NO DEPOSIT MORTGAGE FOR FIRST TIME BUYERS - The New Skipton Building Society No Deposit 100% Track Record Mortgage for First Time Buyers - Everything You Need To Know ...

No deposit 100% Mortgages for First Time Buyers – Everything You Need To Know ….For too long, deposits have held back renters from becoming homeowners. With house prices and the cost of…