Mortgage Advice for the Self-Employed and Limited Company Directors
Mortgage Solutions
Experts in Self-Employed and Director Mortgages
- Sole Traders and Partnerships:
✔ Mortgages for businesses with only 1 years accountants available.
✔ Managing your own self-assessment? We can provide support in obtaining the necessary documentation, ensuring everything meets lender requirements.
- Limited Company Directors and Shareholders:
✔ Flexible income considerations:
✔ Salary and Dividends or Salary and Net Profits.
✔ Mortgages up to 6 x income available.
✔ Mortgages where Directors Lump Sum Pension contributions can be considered.
✔ For growing businesses, mortgages using latest years profits and projections.
How are we different?
✔ Liaising with Accountants
We understand the complexities of financial documentation and are happy to liaise directly with your accountant to obtain the necessary documentation and references, streamlining the process for you. Over the years, we have worked closely with many respected local accountants. Thanks to our proven expertise and commitment to service, these professionals often recommend PBS to their clients seeking mortgage advice in Lancaster, Morecambe and the surrounding areas.
✔ Access to Over 50 Lenders, Including High Street and Specialist Lenders
We work with an extensive network of over 50 lenders, including high street banks and specialist lenders. This broad access allows us to find the most suitable mortgage deals tailored to your unique circumstances. For cases that don’t fit the standard mould, our advisers can communicate directly with lenders and underwriters to explore your options, ensuring that no viable solution is overlooked. Our experience and relationships within the industry mean we can often secure solutions where others cannot.
How We Can Help
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Flexible Appointments and Fast Decisions
Your time is valuable, and we understand that. That’s why we offer flexible appointment options to suit your needs:- Sole Traders and Partnerships:
✔ Telephone appointments for convenience.
✔ Online Consultations for Accessibility
✔ Face-to-face meetings for personalised service.
Whether you prefer telephone, online, or face-to-face consultations, our team is here to help. Our advisers are specialists in self-employed and company director mortgage advice, combining efficiency and expertise to deliver fast decisions. In fact, we can often secure a mortgage agreement in principle in less than 24 hours, helping you make offers with estate agents and move forward with your property purchase quickly and confidently.
Don’t just take our word for it...
Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.
Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.
We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!
An excellent service, very efficient & a very good remortgage deal. Streamlined service & we were kept up to date regularly about the progress. Would definitely use again & recommend.
Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.
Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!
PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.
Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.
Thank you for making our mortgage application so easy and stress free. Ross was fantastic! He kept us updated every step of the way. Super responsive to my many emails to him. Thanks again Ross!
They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.
