Impartial Whole of Market Mortgage and Protection Advice

0800 001 6567

Your Mortgage Ghai
Your Mortgage Ghai

0800 001 6567

  • Sign In

  • My Account
  • Signed in as:

  • filler@godaddy.com


  • My Account
  • Sign out

Signed in as:

filler@godaddy.com

  • Home
  • Why Your Mortgage Ghai
  • Charity&Community Promise
  • Book Appointment
  • Contact
  • Mortgages
  • Blog

Account


  • My Account
  • Sign out


  • Sign In
  • My Account

Book your free consultation call now or complete the contact form

Book your free consultation call now or complete the contact form

Book your free consultation call now or complete the contact form

Book your free consultation call now or complete the contact form

Book your free consultation call now or complete the contact form

Book your free consultation call now or complete the contact form

Specialist Mortgages for Business Owners & Contractors

Who is this service for

How I Assess Income (this is critical)

How I Assess Income (this is critical)

 This service is designed for:


• Ltd company directors
• Self-employed business owners
• Day-rate contractors (IT, engineering, construction, medical)
• Clients with complex or irregular income
• Those declined or under-assessed elsewhere



If your income doesn’t fit neatly into a PAYE box, this page is for you.

How I Assess Income (this is critical)

How I Assess Income (this is critical)

How I Assess Income (this is critical)

Many lenders assess business owners incorrectly.

I structure cases using the most favourable lender-approved method, which may include:


• Salary + dividends
• Net profit after corporation tax
• Retained profit
• Day-rate contractor calculations
• Director remuneration


The method used can make a six-figure difference to borrowing power.

What You Get Working With Me

How I Assess Income (this is critical)

What You Get Working With Me

✓ Lender-ready income analysis
✓ Access to specialist lenders
✓ Clear, jargon-free advice
✓ Accurate affordability before applying
✓ Full case management to offer
✓ Direct communication with underwriters, solicitors & agents
 



No fluff. Just outcomes.

Fee Transparency

How the Process Works

What You Get Working With Me

£695 fixed broker fee

Payable only at application submission — not upfront.


This covers full income analysis, sourcing, lender-ready packaging, application submission and case management through to offer.

How the Process Works

How the Process Works

How the Process Works

 Step 1: Free assessment call
Step 2: Secure document upload
Step 3: Lender-ready income assessment
Step 4: Clear mortgage recommendation
Step 5: Application submitted (fee payable here)
Step 6: Mortgage offer issued


How the Process Works

How the Process Works

  

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. 

Book yOUR free mortgage consultation call

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

  

Your Mortgage Ghai is a trading style of IG Financial Services Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. IG Financial Services Ltd is registered in England and Wales no: 14926400. Registered Address: 216 Compton Road , Wolverhampton, WV3 9JX

  

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Copyright © 2025, Your Mortgage Ghai. All Rights Reserved.

  • Home
  • Why Your Mortgage Ghai
  • Charity&Community Promise
  • Contact
  • Mortgages
  • Insurance
  • Blog
  • Contractor/Business Owner
  • First Time Buyers
  • Guide to Buying a Home
  • Remortgage
  • Buy To Let
  • Life Insurance
  • Critical Illness Cover
  • Privacy Policy

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience.

DeclineAccept