Influencer Mortgage

Nowadays, a Social Media Influencer is a legitimate profession, and we know exactly which lenders have moved with the times and offer mortgage products to those of you whose full or part time job is as a Social Media Influencer.

You may have many different streams of income to declare but whether your income is from Facebook, YouTube, Instagram, OnlyFans, TikTok, Snapchat, Spotify or any other platform, we can help.

As well as helping influencers, there is a multitude of other modern professions that we can help secure a mortgage for:

  • Actors
  • Artists
  • Bloggers
  • Fashion influencers
  • Models
  • Musicians
  • Travel Blogger
  • Vloggers

 

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Getting an Influencer Mortgage Offer

It is extremely important that you use a mortgage broker such as ourselves who have an understanding of the industry and the types of issues you may face, as we can save you considerable time and money in preparing your application.

We’ll take over everything for you once we’ve gathered your basic information. We’ll approach the Lenders, show your income streams and sustainability, and generate the best possible mortgage offers for your unique personal circumstances.

Factors to consider

When it comes to getting a mortgage as a social media influencer, there are certain factors that lenders will look at before accepting you.

Some questions/factors that the lending companies look for will be:

  • One year’s tax/accounting history as a self-employed individual
  • Accountant’s reference/filings
  • Whether you’re operating as a sole trader
  • Or have created your own limited company

These factors will determine the type of mortgage you can get as a social media influencer.

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Frequently Asked Questions

When it comes to acceptable income to take into consideration for your mortgage, we usually want you to tell us every single income source you have and from there we can use our experience, and our knowledge of what Lenders will consider, to determine the ones that are accepted.

A quick list of typical income streams would be:

  • Social media platforms 
  • Affiliate marketing
  • Sponsored posts
  • Brand collaboration
  • Brand ambassador

The easiest way to determine whether you are employed or self-employed, and therefore what you need to provide for a mortgage, is if the business (that you don’t own yourself) that is providing you with work, operates PAYE and National Insurance contributions on your behalf, via a payslip.  If they do, then you are employed, if they don’t, then you will be considered self-employed.  As a self-employed individual you will be responsible for paying your own tax and therefore have to submit a tax return each year to HMRC.

As a Social Media Influencer, it is highly likely that you will be self-employed, and therefore will have to provide at least one years tax return documents when applying for a mortgage.

Some of the things that you may need to provide your mortgage broker with are your 

  • Tax returns
  • Tax calculations
  • Company accounts if you are a limited company, 
  • Business bank statements

However, if you do not have a separate business account, then you will need to provide your personal bank statements. 

As with all types of mortgage applications, proof and evidence of your earnings – as well as your ID, proof of residency, utility bills etc –  will be needed in order for you to get an offer. Our team will help you figure out exactly what’s needed in your case.