Mortgages for painters and decorators
Mortgages for painters and decorators
Painters and decorators may be employed or self-employed, with work that can be seasonal. Tony helps painters and decorators across Scotland compare mortgage options from over 100 lenders.
Talk to TonyAt a glance
- Advice for painters and decorators across Scotland
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help painters and decorators
Trades income can look different on paper. Tony helps you present it clearly to lenders.
What lenders may look at
- Employed tradespeople are usually assessed on payslips, with some lenders counting regular overtime.
- Self-employed tradespeople are usually asked for two to three years of accounts or tax calculations.
- Subcontractors may be asked for CIS statements and tax returns.
- Seasonal gaps and quieter months are easier to explain if your records are clear.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
painters and decorators mortgage questions
Can self-employed painters and decorators get a mortgage?
Yes. Lenders usually ask for accounts or tax calculations, and Tony can search for those that suit your situation.
Does all my income count?
Lenders can only use income that is declared and shown in your tax records, so keeping accurate records matters. Tony can explain what lenders will want to see.
How many years of accounts do I need as a self-employed tradesperson?
Many lenders ask for two to three years of accounts or tax calculations, although some may consider one year in the right circumstances. Tony can advise on your situation.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony