Flexible solutions for self-employed clients

Flexible solutions for self-employed clients

Unusual trading year? At Family Building Society, we understand the need for flexibility.

We take a sensible view of income and trading history. We'll take into account unusual trading years, investment in the business or even when the applicant withdraws from the business to pay into their pension.

We'll even look at accounts prior to submission so that we can find flexible solutions to your client's needs.

What income can we consider?

• The most recent SA302 or online HMRC Self-Assessment Return showing the tax calculation of the income.
• HMRC calculation of the tax due and the tax year overview showing the total tax due and how much has been paid.
• The last 2 years of audited accounts prepared by a Certified or Chartered Accountant.
• An accountant's reference or other corroborative information.

• For Limited Companies, where applicants have a 33% + financial stake in the business, we may consider their proportion of net profit and salary over the recent years

Find out more and see just how flexible we can be!

Semi-exclusive products

Did you know that on top of our standard range of products we have additional semi-exclusive products available via our packaging partners? Speak to your local Business Development Manager for more information.

For more information on our mortgage products, please visit our website or contact your local BDM or our mortgage desk