Stricter affordability assessments see twice as many self-employed rejected for a mortgage🤷🏻‍♀️

According to new research from The Mortgage Lender, 23% of self-employed individuals have had their mortgage application denied in the past compared to just 12% of employed workers.

Self-employed applicants are often treated with stricter affordability assessments than those who are employed, mainly because they are considered to have a more irregular or complex income and are therefore viewed as riskier to lenders. This can make it trickier to get through the mortgage process, with the survey finding that of those who have ever tried to get a mortgage, 19% of self-employed applicants have had mixed results of whether their application was accepted or denied, compared to only 11% of employed individuals who said the same. To continue reading, please Click Here

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