Self Employed Mortgage Broker

Mortgages that work for you when you work for yourself

Jones & Young are professional mortgage brokers, delivering industry-leading mortgages to self-employed customers for over 10 years.

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Company Accounts

We have access to High Street Lenders that will use your share of net profits and your renumeration to calculate the amount you can borrow.

This often saves Limited Company Directors having to pay higher personal tax bills in order to secure a mortgage.

1 years accounts

Most lenders average the last 2 years accounts but there are some that use the latest years figures for affordability purposes.

If you are a newly formed company there are lenders that will accept 1 years trading history.

Salary & Dividends

The most common income evidence a company director is asked for is the the last 2 years salary and dividends of which an average is taken.

Some lenders will use the latest year which can help, or consider your company's retained profits.

CIS and Contractors

If you are in the construction industry and get paid via the CIS scheme then we can use your CIS statements as payslips. This means you can be tax efficient and still get the mortgage you deserve.

If you are a day rate contractor then we can use that daily rate rather than your taxable income.

Mark Jones

Welcome To Jones & Young Mortgages

Mark Jones is a professional mortgage adviser with over 10 years experience in helping self-employed business owners to get the mortgages they deserve with access to specialist mortgage lenders.

As a specialist adviser I can look at the different options open to you and how best to present your income to the lender. We can use your salary and dividends or net profit depending how your limited company is set up for tax. We have lenders able to use your retained profits as income. For sole traders we can use your net profit (taxable pay) or day rate for contractors. Our lenders allow 1 years accounts to be used for affordability instead of the average of the last 2 years that most lenders consider. Even if you only have been trading for 1 year we can help.

Mark has helped hundreds of customers and offers a whole of market approach, ensuring customers are able to access the mortgage deals they need, without delays and with more reliable outcomes.

10+ Years as a Mortgage Advisor
Self-Employed Mortgage Specialist
Whole of Market Access

As a specialist self-employed mortgage broker, Mark sees things differently, letting him find the best mortgage for you.

Receive The Mortgage Deals You Deserve

Mark Jones has over 10 years experience in helping self-employed customers like you find the mortgages they need. Even if you’ve struggled to find a mortgage through other channels, Mark may be able to help.

"Thanks Mark for doing such a great job in getting us our mortgage. It wasn't a straight forward situation and your expertise was vital in allowing us to purchase our new home."
Neil Kerr
"Mark has been great, helped me understand each stage and explained it clearly. Responds quickly. Very happy indeed and would definitely recommend!"
Sonia Hickman
"Professional and friendly, great service. Thank you for your help with my mortgage during a very challenging year."
Shahid Rahman
"As first time buyers, finding offers was incredibly tough. Richard went out to individual lenders and created a bespoke offering tailored to us. The communication was crystal clear and he was always available. Impeccable service!"
Adam West
Let Mark Find The Right Lenders For You
Building You a Brighter Future

Mark acts as the bridge between customers and the mortgage companies that can help them. Many lenders only deal with brokers like Mark, meaning a wider choice of available options.

90-95% Loan to Value (LTV)

Loan to Value(LTV) options typically 90-95%

Trusted Advice

Clear and concise advice around the best options for your needs.


Helping customers cut through the noise to understand things their way.

Save Money

The difference between how your income is calculated can save you thousands.

Specialist Rates

Most competitive rates ensuring best price for the customers

Helping Customers Secure The Homes They Deserve

Self-employed mortgages can be confusing with the different ways you can prove your income. Even some mortgage advisers can find it confusing. Mark’s role is to deliver fast, clear and straightforward advice around your best options for what you are looking to achieve.

Mark strives to serve people in whatever circumstances to move on to the next chapter in your live. Be it buying their first home, securing a re-mortgage or raise money for home improvements or debt consolidation.

If you would like to get more information on Self-employed mortgages, why not find out more by looking through our in-depth article: The Self-Employed Mortgage Guide: What You Need to Know

How many mortgages Jones and young have completed

Your Trusted Team Of Experts

Mark Jones

Mark Jones is a professional mortgage adviser with over ten years of experience helping construction industry scheme workers get the mortgage they deserve.

Richard Young

Richard Young is an expert in helping older clients achieve better lifestyle options with the use of a lifetime mortgage and later life lending options.

Tips to secure a mortgage if you are self employed
Self Employed Mortgages
Mark Jones

Self Employed Mortgages

If you’re interested in understanding more about how Halifax and Santander have made it more of a challenge for the self-employed to get a mortgage, watch

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Helping with self-employed professionals, contractor mortgages, CIS mortgages, company director mortgages, freelancers, and small business owners navigate the mortgage process and get the best possible deal.