Self employed & company directors
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Self employed
There are a number of lenders who are more accommodating to self employed people the others. Traditionally, it has been difficult for self-employed people to arrange a mortgage, due to the fluctuating nature of their income. Many banks ask for three years worth of profit and loss statements in order to determine the risks involved in lending to a sole trader.
Company directors
People who draw their income from a company in which they own a substantial share - usually above 15%, can also find themselves classified in a similar way to self employed people by some lenders.
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