Mortgages for hairdressers and barbers
Mortgages for hairdressers and barbers
Hairdressers and barbers may be employed, rent a chair or run their own salon. Tony helps you understand how lenders may view your income and compares options from over 100 lenders.
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- Advice for hairdressers and barbers
- 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 hairdressers and barbers
Employed, chair-rental and salon-owner income can each be assessed differently. Tony helps you present yours clearly.
What lenders may look at
- Employed stylists and barbers are usually asked for recent payslips and a P60.
- Chair renters are usually treated as self-employed and asked for accounts or tax calculations.
- Some lenders may count regular commission or declared tips.
- Newer businesses may have fewer lender options, depending on track record.
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.
Hairdressers and barbers mortgage questions
I rent a chair. Am I treated as self-employed?
Usually yes. Lenders often ask for accounts or tax calculations covering a period of time. Tony can explain what you may need.
Do lenders count tips and commission?
Some lenders may count regular commission or declared tips where you can show them on payslips or tax documents. Each lender has its own rules.
Can I get a mortgage if I have only just started my own business?
Some lenders will consider newer businesses, while others want a longer track record. Tony can search for the lenders that fit.
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.
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