Jones and Young

Jones & Young are specialist mortgage brokers for the self employed and company directors, contractors and CIS workers. We understand how the self employed are paid so we are able to place you with the right lender for your company set up.

We can use retained profits and net profits so you don't need to use taxed dividends as income. Use your gross day price for contract workers or CIS (construction industry scheme) workers. As we are not using your taxable income for price you can run your company tax effectively and still borrow the mortgage funds you want. We have lenders who calculate affordability using the current years accounts, a lot of lenders require approximately the last 2 years. We also have lenders who only require one year trading background. Sadly there is a large knowledge gap in the mortgage industry for self employed, company directors and contractors.