Four Nations Ltd Mortgages

Four Nations Ltd Mortgages 🏡 Residential Mortgage Advisers 🏡
🌟1000’s of Happy Clients
đź“ŤCovering the Whole of the UK
📲 0800 086 2477

We’re absolutely delighted that Four Nations Mortgages has been honoured with the Client Care Award at the 2026 VouchedF...
08/05/2026

We’re absolutely delighted that Four Nations Mortgages has been honoured with the Client Care Award at the 2026 VouchedFor Client Experience Awards held last night at the Royal Lancaster Hotel in London.

🎄 Season’s Greetings from Four Nations Mortgages 🎄As the festive season approaches, we’d like to extend our heartfelt th...
18/12/2025

🎄 Season’s Greetings from Four Nations Mortgages 🎄
As the festive season approaches, we’d like to extend our heartfelt thanks to all our clients—both longstanding and new—for your continued trust and partnership throughout the year.
2025 has been a year of growth, change, and opportunity, and we’re proud to have supported hundreds of our clients to arrange their dream home finance. Whether you were securing your first home, refinancing, or exploring new investment options, it’s been our privilege to guide you every step of the way.
We look forward to helping you achieve even more in 2026. Until then, may your holidays be filled with peace, joy, and time well spent with loved ones.
Your home may be repossessed if you do not keep up repayments on your mortgage
Warmest wishes,
Paul Harris
Four Nations Mortgages are here to help you at every step of the home buying process. If you want help or guidance, with an initial consultation at our expense, contact us by messenger, call on 0800 086 2477, email [email protected], visit us at www.four-nations.co.uk or www.findamortgageadviser.com

If you're self-employed and planning to buy a home, you'll need to prepare extra documentation and prove your income sta...
17/12/2025

If you're self-employed and planning to buy a home, you'll need to prepare extra documentation and prove your income stability more rigorously than someone on PAYE. Lenders want to see that your consistent earnings, reliable, and sufficient to cover mortgage repayments.
Here are things to consider:

🧾 Income Proof & Documentation
• At least two years of accounts: Most lenders require two full years of trading history, ideally prepared by a certified accountant.
• SA302s and tax year overviews: These HMRC documents show your declared income and tax paid.
• Bank statements: Typically 3–6 months of personal and business statements to show cash flow and regular income.

đź’° Affordability & Deposit
• Larger deposit may be required: A deposit of 10–20% can improve your chances, especially if your income fluctuates.
• Affordability checks: Lenders assess average earnings, regular outgoings, and how secure your income is. If your income varies seasonally or project-to-project, they may take a conservative view.

🧠 Choosing the Right Lender
• Not all lenders treat self-employed applicants equally: Some specialise in self-employed mortgages and are more flexible with criteria.
• Use a mortgage adviser: They can match you with lenders who understand your business model and income structure.

📉 Income Fluctuations & Business Type
• Sole traders vs. limited company directors: If you’re a director, lenders may assess salary + dividends, or net profit depending on the lender.
• New businesses: If you’ve been trading for less than 2 years, options are limited but not impossible. Some lenders accept 1 year of accounts or projected income.
🛠️ Boosting Your Chances
• Keep your credit score healthy: Pay bills on time, reduce debt, and avoid missed payments.
• Use an accountant: Professionally prepared accounts add credibility.
• Be transparent: Explain any income dips or unusual patterns upfront.

🏡 Other Considerations
• Stamp duty and legal costs: Budget for these alongside your deposit.
• Insurance: Consider income protection insurance to reassure lenders & protect yourself.

0800 086 2477
www.four-nations.co.uk
[email protected]

Mortgages can be complex, especially with all the lenders and mortgage options available – making sense of it all can be...
17/12/2025

Mortgages can be complex, especially with all the lenders and mortgage options available – making sense of it all can be stressful. If you have questions about your current or new mortgage feel free to reach out to us and we will do our best to make you feel at ease with it all.
Four Nations Mortgages can help in a number of ways:
1. General questions: You might not be looking for a new mortgage right now, but you might just have some questions that you would like answered
2. Finding the Right Mortgage: When you are ready to go, your mortgage adviser can compare various mortgage products from different lenders across the whole of market to find you a great deal for your financial situation
3. Expert Advice: Your adviser will provide expert advice on the different types of mortgages available and help you understand the terms, different types of interest rates, and fees associated with each option. They will help you find a mortgage that suits your needs and meets your monthly budget
4. Application Assistance: Your mortgage adviser will assist with the mortgage application process, ensuring all necessary documents are gathered and submitted correctly
5. Problem Solving: If any issues arise during the application process, your mortgage adviser is on hand to help resolve them
6. Time and Stress Savings: By handling much of the legwork, your mortgage adviser will save you time and reduce the stress associated with finding and securing a mortgage
7. Your Home is at Risk: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME BUY-TO-LET MORTGAGES
Four Nations Mortgages are here to help you at every step of the home buying process. If you want help or guidance, with an initial consultation at our expense, contact us by messenger, call on 0800 086 2477, email [email protected], visit us at www.four-nations.co.uk or www.findamortgageadviser.com

Address

124 City Road
London
EC1V2NX

Telephone

+448000862477

Website

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