Chelmsford
Self-Employed Mortgage Specialist
Raj Patel
8 years experience · FCA Regulated
Raj focuses entirely on self-employed mortgage applications — sole traders, limited company directors, and contractors who find high-street lenders difficult to work with.
About
Raj Patel
Raj is Vsure's specialist for self-employed clients — the group most often let down by the mortgage market. He has spent eight years understanding how different lenders assess self-employed income, and that knowledge makes a material difference to what clients can borrow.
Based in Chelmsford, he advises self-employed clients across Essex and the South East, as well as nationally. He has particular experience with limited company directors (who can often use retained profit alongside salary to maximise borrowing), contractors assessed on day rate, and sole traders with variable year-on-year income.
Raj's approach is to present each case in the best accurate light — knowing which lender's criteria suit which income profile, and structuring the application accordingly.
Areas of expertise
What Raj specialises in.
Sole Traders
Most lenders use the lower of two years' net profit to assess a sole trader. Raj knows which lenders will use the latest year when income is rising — making a significant difference to borrowing power.
Learn moreLimited Company Directors
Directors who retain profit in their company can often borrow significantly more by using salary plus dividends plus retained profit. Raj knows which lenders assess this most generously.
Learn moreDay-Rate Contractors
Some lenders annualise a contractor's day rate to determine income rather than requiring two years' accounts — dramatically increasing borrowing for contractors without a long trading history.
Learn moreReady to speak to Raj?
First call is free. No forms to fill. No commitment. Just honest advice from someone who knows the market.