Self Employed & Trades Mortgages made simple

Friendly, straight‑talking support for sole traders, Ltd company directors & CIS workers. No jargon. No stress. Just clear guidance and a mortgage that actually fits your life. You work hard, your mortgage shouldn’t be hard work

Being self‑employed shouldn’t make getting a mortgage feel impossible. Whether you’re a plumber, electrician, joiner, builder, decorator or any other trade, lenders often make things more complicated than they need to be.

I take that weight off your shoulders. I deal with the paperwork, the lenders, the income quirks, the CIS statements, the accounts… so you don’t have to.

You focus on your trade. I’ll handle the mortgage headache.

You work hard, but your mortgage shouldn't be hard work

CIS Contractors

Using CIS vouchers to boost affordability and show your true earning potential.

Limited Company Directors

Whether you pay yourself via salary + dividends or retain profit in the business.

Sole Traders

Using SA302s, tax calculations, and real‑world affordability.

Mortgages for self employed tradespeople

No matter how you’re paid, I’ll present your income in the strongest possible way to the right lenders.

A Friendly Adviser Who Gets It

You don’t need a suit and tie. You need someone who understands how your work — and your income — actually works.

Book your self employed trades mortgage review

Let's get the mortgage sorted.

Click here to book your appointment >

If you’re self‑employed and want a mortgage without the hassle, I’m here to help.

Book a quick call back and let’s get things moving. It’s friendly, pressure‑free, and could save you hours of stress.

🔧 Your Trade. Your Income. Your Home.

Let’s get you the mortgage you deserve — without the headache.

Mortgages Built Around How You Actually Get Paid

Mortgages Built Around How You Actually Get Paid

Self‑employed income isn’t always neat and tidy — and that’s okay. I specialise in helping tradespeople.

Straightforward explanations
Clear next steps
Flexible appointments around your working hours
A genuinely supportive experience from start to finish

Book your Mortgage appointment here

      EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   R M 
 8 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I couldn't recommend Dwight highly enough. He was incredibly helpful throughout the entire mortgage process. He was always available to answer any questions I had, no matter how big or small, and nothing ever seemed too much trouble. Thank you for all your support and guidance.
  
 
     Posted on Google  
   
   S Dixon 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Got us an offer we were happy with given our unique circumstances, worked with us to accommodate for awkward timings due to shift work patterns.
  
 
     Posted on Google  
   
   J Humphries 
 35 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight has been exceptional in our journey in getting our first property. We are first time buyers and wouldn’t know where to begin but the service Dwight has provided is amazing! He is really patient and knowledgeable and I would recommend anyone to him.
  
 
     Posted on Google  
   
   L Andrews 
 44 days ago
 
 
 Trustindex verifies that the original source of the review is Google. From my first meeting to getting the keys, Dwight was excellent, his knowledge in the sector was second to none, he made the whole process easy and sorted everything out. Very easy to reach if there were any questions.
Will definitely be using his services again.
  
 
     Posted on Google  
   
   C Henry 
 60 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight couldn’t have been more helpful. We were keen to look at all available options and he patiently went through it all with us, fully explaining everything and helping us come to an informed decision. I would fully recommend Oakvale Financial, when it comes to remortgaging again, there is no doubt we will be returning here. Customer service was fantastic. Thanks Dwight.
  
 
     Posted on Google  
   
   L Rana 
 83 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Easy to reach, comfortable to speak, explain us with detail with out no any rush.
  
 
     Posted on Google  
   
   J 
 96 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I can’t thank Dwight enough for his support, patience, and professionalism throughout my home-buying journey.
From the very beginning, he took the time to get to know me and made the whole experience feel personal.

Dwight was always quick to respond to emails and happy to talk me through any questions I had, no matter how big or small. His clear communication and regular updates made what could have been a stressful process feel straightforward and stress free.

Most importantly, Dwight worked hard to secure the best mortgage deal for me. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.
  
 
     Posted on Google  
   
   V Pagot 
 102 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had an exceptional experience with Dwight Scaife at Oakvale Financial.  Dwight was incredibly helpful and friendly and was always available to answer our questions. He often went above and beyond to ensure we were taken care of.                                                The service was professional and the results exceeded our expectations.  We would not hesitate to use this company again and would highly recommend Dwight to anyone.
  
 
     Posted on Google  
   
   D Kirby 
 110 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight is very professional and explains everything clearly.  From the first  phone call, he was easy to talk to. I needed help with a remortgage and although it can be a daunting process, Dwight explained everything in simple terms so it was easy to understand. He was quick to respond to emails and kept me up to speed as my remortgage progressed. Would definitely recommend.
  
 
     Posted on Google  
   
   P Games 
 112 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dwight was super helpful in explaining the mortgage process to us, he explained everything in a clear, easy to understand way and his dog Sasha brought us lots of joy in his office aswell :) He kept us informed through the process via email and text and answered all the million questions we had too.

He was a pleasure to deal with and I'd recommend him to anyone wanting to get a mortgage.
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Book your free mortgage consultation

Begin your stress-free journey to buying your property.

We support self employed buyers and remortgagers in Northallerton and across North Yorkshire, including nearby towns and villages such as Thirsk, Bedale, Richmond and Stokesley, plus rural communities. Appointments can be face-to-face locally or online for convenience. If you are outside the area, we are happy to help remotely and we work nationally.

Call: 07388 515859
Visit: 80-81 High St, Northallerton DL7 8EG

Or get in touch online to book your free consultation.

Get in Touch | Book Your Consultation

R M

8 days ago

I couldn't recommend Dwight highly enough. He was incredibly helpful throughout the entire mortgage process. He was always available to answer any questions I had, no matter how big or small, and nothing ever seemed too much trouble. Thank you for all your support and guidance.

S Dixon

23 days ago

Got us an offer we were happy with given our unique circumstances, worked with us to accommodate for awkward timings due to shift work patterns.

J Humphries

35 days ago

Dwight has been exceptional in our journey in getting our first property. We are first time buyers and wouldn’t know where to begin but the service Dwight has provided is amazing! He is really patient and knowledgeable and I would recommend anyone to him.

L Andrews

44 days ago

From my first meeting to getting the keys, Dwight was excellent, his knowledge in the sector was second to none, he made the whole process easy and sorted everything out. Very easy to reach if there were any questions. Will definitely be using his services again.

C Henry

60 days ago

Dwight couldn’t have been more helpful. We were keen to look at all available options and he patiently went through it all with us, fully explaining everything and helping us come to an informed decision. I would fully recommend Oakvale Financial, when it comes to remortgaging again, there is no doubt we will be returning here. Customer service was fantastic. Thanks Dwight.

L Rana

83 days ago

Easy to reach, comfortable to speak, explain us with detail with out no any rush.

96 days ago

I can’t thank Dwight enough for his support, patience, and professionalism throughout my home-buying journey. From the very beginning, he took the time to get to know me and made the whole experience feel personal. Dwight was always quick to respond to emails and happy to talk me through any questions I had, no matter how big or small. His clear communication and regular updates made what could have been a stressful process feel straightforward and stress free. Most importantly, Dwight worked hard to secure the best mortgage deal for me. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.

V Pagot

102 days ago

We had an exceptional experience with Dwight Scaife at Oakvale Financial. Dwight was incredibly helpful and friendly and was always available to answer our questions. He often went above and beyond to ensure we were taken care of. The service was professional and the results exceeded our expectations. We would not hesitate to use this company again and would highly recommend Dwight to anyone.

D Kirby

110 days ago

Dwight is very professional and explains everything clearly. From the first phone call, he was easy to talk to. I needed help with a remortgage and although it can be a daunting process, Dwight explained everything in simple terms so it was easy to understand. He was quick to respond to emails and kept me up to speed as my remortgage progressed. Would definitely recommend.

P Games

112 days ago

Dwight was super helpful in explaining the mortgage process to us, he explained everything in a clear, easy to understand way and his dog Sasha brought us lots of joy in his office aswell :) He kept us informed through the process via email and text and answered all the million questions we had too. He was a pleasure to deal with and I'd recommend him to anyone wanting to get a mortgage.

Verified by Trustindex

Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more