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Many self-employed people think banks and building societies are less likely to provide them with a mortgage because they prefer lending to employed applicants.

According to research by The Mortgage Lender among people working as sole traders, contractors, and limited company directors, there is widespread dissatisfaction with the way self-employed people are treated when they apply for a mortgage.

The Mortgage Lender's data, which is part of a special report – The self-employed economy; an opportunity for brokers and lenders – shows 1 million (21%) of self-employed people had reconsidered their employment situation because of the uncertainty of securing a mortgage. 

Trinity Financial's brokers regularly arrange mortgages for self-employed borrowers, limited company directors and contractors. They help clients with retained profits and professionals when they have switched from being employed to self-employed. Most lenders require two-years' accounts, but they can look at applicants with 12 months figures and a good credit score. 

There are 4.86 million self-employed individuals in the UK, accounting for 15.1 per cent of the working population, according to the Office for National Statistics. 

The Mortgage Lender polled 500 self-employed people.

Call Trinity Financial on 020 7016 0790 to secure a self-employed mortgage

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