Freestyle® Self Employed Mortgage
See how much you could save
Use our Offsetting calculator to see what you could save.
Explore the features
Watch our Offsetting movie
Watch our Cash Reserve movie
Get a quote and apply online now
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“My mortgage works for me.”
We know that when you run your own business, you need to feel in control of your finances. That's why we've designed a mortgage specifically for people like you, tailored to your needs.
It's called the Freestyle® Self-Employed Mortgage and the benefits include:
We know that when you run your own business, you need to feel in control of your finances. That's why we've designed a mortgage specifically for people like you, tailored to your needs.
It's called the Freestyle® Self-Employed Mortgage and the benefits include:
- Competitive rates on a range of fixed rate mortgages (including our remortgage and low rate options).
- You may not need to verify your income for mortgages up to 85% loan to value
- Only 12-month employment history is required for mortgages over 85% loan to value
- Offsetting and Cash Reserve included as standard
- Ability to overpay
- Option to take payment holidays
Make your savings work for you
While saving for a personal tax bill, why not put that money to work? Offsetting your savings against your mortgage can reduce the amount you pay in interest and take years off your mortgage.Top Benefits
- Be mortgage-free sooner
- You can move money in and out of your Offset Reserve at any time
- Unlike a savings account, you don't pay tax on the interest benefit gained by holding money in your Offset Reserve.
The Facts
- Tax relief may change in the future
Access to additional borrowing
Your Cash Reserve is the difference between the amount we are willing to lend you when you first apply for your mortgage and the amount you actually borrow.Top Benefits
- Borrow extra money at low mortgage rates (from £1,000)
- Access the funds when you need them
- Borrow over a term that suits you
The Facts
- Cash Reserve is available up to a maximum of 90% of your home's value
- Each time you drawdown from your Cash Reserve, fees may apply
- Please bear in mind that your monthly payments and outstanding capital will increase
