Jones and Young are specialist mortgage brokers for the self-employed, company directors, contractors, and CIS workers. We understand the complexities of self-employed income and work with lenders who assess affordability using retained profits, net profits, or gross day rates — not just taxable income. This means you can remain tax efficient while still borrowing the mortgage funds you need. With access to lenders who accept one year of trading history or the latest year’s accounts, we make mortgages more accessible. We also provide equity release for clients aged 70+, helping unlock home value for income, family gifts, or lifestyle goals.