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Self-Employed Mortgages
Navigating mortgages on self-employed income doesn't have to be tricky. Our advisers make it simple and straightforward.
Getting a mortgage as a self-employed borrower can feel complicated, but it doesn’t have to be. We understand the unique challenges of self-employed income and how lenders assess your situation.
Our expert advisers will guide you through your options, explain what lenders look for, and help you secure a mortgage that works for you with confidence. Whether you’re buying your first home, moving, or remortgaging, we make the process simple and straightforward.
Who We Help
Sole traders
Company directors
Freelancers and contractors
Partnership owners
CIS workers
Portfolio of income sources
What Lenders Look For
1–2 years’ accounts or tax returns
SA302 forms from HMRC
Proof of ongoing contracts (for contractors)
Business bank statements
Accountants’ reference (sometimes required)
How We Can Help
Show your income in the most effective way
Access specialist lenders familiar with self-employed income
Navigate complex lender criteria with confidence
Maximise your borrowing potential
Manage your application
Self-Employed Mortgage FAQs
Can self-employed borrowers get a mortgage in the UK?
Yes, you can access a wide range of mortgages, as long as you can provide proof of income and meet affordability and lender criteria.
What income documents do I need?
2–3 years’ accounts or SA302s. Tax year overviews. Requirements may vary depending on your business structure and trading history.
How is self-employed income assessed?
Sole traders: Net profit. Limited companies: salary + dividends. Contractors: day rates, depending on the lender.
Can contractors get a mortgage without accounts?
Yes, some lenders consider day rates if contracts meet minimum length and continuity requirements.
Is it harder if I run a limited company?
Not necessarily. Many lenders use salaries and dividends, and some may consider retained profits.
Do I need a larger deposit?
Not always. Deposit requirements vary by lender, but many self-employed borrowers can access the same loan-to-value options as employed applicants.
Let's Get You Mortgage-Ready
Specialist advice for self-employed professionals