How Influencers Can Secure a Mortgage: A Guide to Overcoming the Complexities
As an influencer—whether you're a TikToker, Instagram content creator, or YouTube sensation—earning a steady income from brand deals, sponsorships, and ad revenue is your livelihood. While the traditional mortgage application process can sometimes seem tricky for people with non-salaried incomes, there’s no reason why it should hold you back from buying your dream home.
At Quanstrom Financial, we specialise in helping influencers secure mortgages, and we understand the unique opportunities you face. In this guide, we’ll explain how you can navigate the complexities and successfully secure a mortgage, whether you're a full-time content creator or just starting out in the influencer space.
1) Proving Your Income: A Step Towards Success
As an influencer, you may find that proving your income is a little different from the traditional path, but that's something we can easily overcome! Lenders traditionally look for steady, salaried income, which can make showing your earnings a bit more challenging. However, many influencers have diverse, high-earning sources, including:
- Brand partnerships
- Sponsorship deals
- Ad revenue from platforms (YouTube, TikTok, etc.)
- Affiliate marketing
You may have income that fluctuates, but don’t worry—lenders simply want to see that it’s stable and sustainable. By providing clear evidence of your income over the past few years, including:
- For sole traders: Two years of tax computations and tax year overviews
- For limited companies: Two years of full and finalised accounts
Additionally, we can work with your accountant to provide projected earnings for the upcoming year, helping lenders feel confident in your financial future.
2) Embracing Your Self-Employed Status
As an influencer, you’re likely self-employed, which is becoming more common in today’s modern workforce. Many lenders now understand that self-employed individuals—especially those with consistent earnings from content creation—can be just as reliable as traditional salaried employees. Whether you operate as a sole trader, or are a director of your limited company, we can help!
3) A Healthy Credit Score: Your Key to Success
Another important factor in securing a mortgage is maintaining a healthy credit score. Having a strong credit history helps lenders feel confident in your ability to manage debt responsibly. Here's what you can do to keep your credit score in top shape:
- Ensure timely payments on credit cards, loans, and any debts
- Minimise missed payments or defaults
- Keep your credit utilisation at a manageable level in relation to your income
A great credit score helps you secure better mortgage terms, which could save you money in the long run!
Click here to review our article: A Complete Guide to Your Credit Score: What Every Homebuyer Needs to Know
4) Partnering with a Specialist Mortgage Broker
While securing a mortgage as an influencer may feel daunting, the right broker can make all the difference. At Quanstrom Financial, we specialise in helping self-employed individuals, including influencers, navigate the mortgage process. We understand the unique nuances of income from digital platforms and can work with you to find the perfect lender who understands your needs.
A specialist broker will:
- Provide tailored advice for your unique financial situation
- Help you connect with lenders who understand influencer income
- Guide you through the process, making the entire experience smoother and more efficient
5) The Bottom Line: Securing Your Future
Securing a mortgage as an influencer is absolutely possible! The key to success lies in preparing the right documentation, maintaining a healthy credit score, and working with the right experts. Whether you're a TikToker, Instagrammer, or YouTuber, your income can be a solid foundation for mortgage approval, and with the help of a specialist mortgage broker, you can unlock the doors to your dream home.
At Quanstrom Financial, we’re here to guide you every step of the way, making sure you get the mortgage that fits your unique financial situation. If you're ready to start the process or just want to explore your options, don’t hesitate to get in touch with us. We specialise in influencer mortgages and are excited to help you on your journey.
