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SA302 Combined Self Employed & Employed Income

Does anyone know of a mortgage lender who takes into account both self employed AND employed income (for an individual registered self employed person)? My SA302s show both types of income (as I sometimes do the work as a freelancer but sometimes it has to be taxed at source) but a few mortgage lenders I've approached will only look at the self employed income and not the employed income as well. I gather this is because the employed income is not regular / ongoing. But then again, my view is that the freelance income is not guaranteed either.
Thanks

Comments

  • amnblog
    amnblog Posts: 12,784 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not a problem if you work with a self employed specialist mortgage broker. We are doing three case like this currently.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Simple answer is yes, but you will require a broker to ascertain the whole situation and place/recommend accordingly.
    I am a Mortgage Broker
    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.
    This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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