Home of prepared borrowers. Better conversations.
Mortgages explained for the self-employed — and beyond
Learn how lenders assess self-employed income, what documents matter, and when speaking to a specialist advisor makes sense.
How Offlend helps both sides make better lending decisions
UNDERSTAND
Self-employed and non-standard income can be misunderstood by lenders. We explain how different situations are usually assessed — in plain English.
How lenders usually assess self-employed, contractor, and limited company income
Accounts, deposits, credit — explained before you apply.
Clarity first helps reduce confusion and unnecessary rejection
PREPARE
Learn what documents matter, how affordability is viewed, and what questions advisors will ask — before any conversations begin.
Know which documents advisors ask for and why.
Understand how monthly payments and limits are viewed.
Preparation leads to clearer, more confident discussions.
CONNECT
When you’re ready, you can choose to be introduced to a regulated advisor experienced with situations like yours.
No pressure. No obligation.
Introductions based on your circumstances, not sales.
Advisors speak to informed, ready clients.
About Us
A more thoughtful way to approach mortgages and lending for complex income
Offlend is a UK-based, family-run platform built to help people understand finance and mortgages before they apply — especially when income or circumstances don’t fit neatly into standard boxes. We focus on clarity and preparation, not pressure.
For customers, that means clear explanations, realistic expectations, and the choice to speak to a regulated mortgage advisor only when it makes sense.
For advisors, it means informed enquiries, better context, and more productive conversations — particularly for self-employed and complex mortgage cases.
We don’t sell financial products or give advice.
Our role is to explain how things usually work, help people prepare properly, and make introductions only if both sides are ready.
Offlend started with self-employed mortgages and is expanding carefully — guided by one principle: better understanding leads to better outcomes for everyone.
Independent and education-first
Helping borrowers understand mortgages — and helping advisors start better conversations.
Prepare, Understand, and Choose with Confidence
Education first, introductions only when ready.
Offlend helps borrowers — especially self-employed and non-standard income earners — understand mortgages clearly before applying. By providing simple explanations, guidance on documents, and insight into lender expectations, we ensure conversations with regulated mortgage advisors are meaningful and productive.
For brokers, this means better-prepared clients, higher-quality enquiries, and more efficient discussions — saving time and improving outcomes for everyone.
Why Offlend Stands Out
-
Designed for Self-Employed Borrowers
We explain complex income and affordability clearly, so self-employed applicants feel confident and understand what lenders are looking for.
-
Prepares Clients for Better Conversations
Clients learn what documents and information matter most, leading to smoother discussions with advisors and fewer misunderstandings.
-
Neutral, Education-First Approach
We don’t sell products or give advice — we focus on helping people understand their options and make informed choices.
-
Value for Mortgage Advisors
Advisors receive high-quality, prepared enquiries. Every introduction comes with context, reducing wasted time and improving client outcomes.
Frequently Asked Questions
Offlend helps people understand financial products and, if they choose, connect with independent, FCA-regulated advisors. We focus on preparation and clarity before you speak to a third-party FCA authorised advisors for professional advice/ guidance.
No. Offlend is not a lender, not a broker, not a financial advisor, and is not authorised or regulated by the FCA
Yes. Our content is designed to help self-employed, contractors, freelancers, and non-standard applicants prepare before speaking to an advisor.
Yes. Offlend is free for consumers. If you choose to connect with an advisor, we may receive a fee for the introduction — this does not affect the advice you receive.
No. There is no obligation to proceed. You decide if, when, and how you engage with any advisor.
We work 24/7
Call OR WHATSAPP 07460648455
Write to Us
-
contactus@offlend.com
-
36 Axial Drive, Colchester, Essex