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The number of people running their own businesses is rising sharply, but what does that mean if you want a mortgage?

Aaron Strutt, of Trinity Financial, the broker, told The Times : "Where businesses are well established, getting a loan approved is straightforward " as long as they''re in profit.

If you have recently set up on your own, as hundreds of thousands have done in recent months, it could be a real problem." Mr Strutt adds Halifax will offer self-employed borrowers a mortgage if they have one year''s accounts, but they must have an exceptional credit score.

Click here to view Trinity Financial in The Times £

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February 1, 2014
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