Self-Employed Mortgages
Getting a mortgage when you’re self-employed doesn’t have to be hard. Whether you’re a sole trader, contractor or director, we understand your income and can help secure the right deal for you.
Our experts specialise in self-employed mortgages – guiding you through lender criteria, accounts and income proof, so you can move forward with confidence.
Getting a mortgage when you’re self employed doesn’t have to be complicated
- Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
- You may have to pay an early repayment charge to your existing lender if you remortgage
Mortgages that make sense when you’re self employed
Getting a mortgage as a self employed applicant can feel daunting – especially when every lender seems to ask for something different. Whether you’re a sole trader, company director, contractor or freelancer, we’ll help you find lenders who understand irregular income and can assess your case fairly.
We’ll look at your trading history, income pattern, and tax returns to show what’s possible, explain which lenders are most flexible, and guide you through every step – so you can move forward with confidence knowing your mortgage fits how you really earn.
Things to Prepare Before You Apply
Documents and details that make your self employed mortgage run smoothly
Proof of Income
Gather your latest SA302s, tax year overviews, and accounts. Most lenders ask for two to three years, though some will accept just one. We’ll help you prepare everything before you apply.
Business & Trading History
Your trading record helps show stability. Whether you’ve recently gone limited or your income fluctuates, we’ll explain which lenders are most flexible with your circumstances.
Personal Finances & Credit Profile
Keep your recent bank statements and credit reports handy. We’ll help you understand what lenders look for –
and how to strengthen your profile if needed before you apply.
Finding the Right Lender When You’re Self Employed
Every lender has their own approach to self employed applications – some prefer company directors, others are more flexible with contractors or sole traders. We’ll compare a wide range of lenders to find those most likely to accept your income structure and offer the best available rates.
Our team handles everything from start to finish – reviewing your accounts, checking lender criteria, and managing the full application on your behalf. We’ll make sure your case is presented clearly, giving you the strongest chance of approval and the most suitable mortgage for your goals.
Mortgages for Limited Company Directors
If you run your own limited company, lenders will usually assess your income based on your salary and dividends – and sometimes retained profits within the business. This can make your income appear lower on paper, even though your company is profitable.
A mortgage broker who specialises in director mortgages can help ensure your full financial picture is represented correctly. We can find lenders who understand how company directors draw income, have 1–2 years of accounts, or are in industries where income fluctuates.
Whether you’re the sole director or part of a small team, we’ll match you with lenders who take your company performance and ownership structure into account – helping you secure a deal that truly reflects your position.
Your Next Steps
We’ll guide you from first chat to getting your self employed mortgage approved – here’s what to expect along the way.
1
Talk to an Adviser
We’ll start with a friendly chat about your goals and income setup – whether you’re a sole trader, company director, contractor or freelancer – and outline how much you could borrow.
2
Compare Lenders & Rates
We’ll search the market for the most suitable self employed options, explain how each lender assesses income, and recommend the deal that fits your plans and budget.
3
Apply & Get Approved
We’ll manage the paperwork, liaise with your lender, and keep you updated at every stage – aiming for a quick, smooth, stress-free approval.
We compare thousands of mortgage deals from leading UK lenders to find the one that’s right for you.
Check out our reviews
Why Choose Us for Your Self-Employed Mortgage?
Clear, Honest Advice
You’ll always get straight answers. We’ll explain how each lender views self employed income and make sure you understand every option before making a decision.
Support for Every Situation
Whether you’re newly self employed, a contractor, or a limited company director, we’ll help you find lenders comfortable with your income type and working pattern.
Regular Updates & Feedback
We’ll keep you fully informed – from document checks to lender progress – so you always know where your application stands and what happens next.
Access to 1,000s of Mortgages
Because we’re independent, we can explore thousands of self employed mortgage products and present clear options – including specialist lenders not found on the high street.
Book Your No-Obligation Consultation
Your consultation, your way – meet in person, by video, or on the phone.
Face to face
Video conferencing
Telephone advice
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How to Prove Your Income When Applying for a Self-Employed Mortgage
Discover how to prove your income when applying for a self-employed mortgage. From SA302s and tax returns to company accounts, here’s what lenders need.
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Can You Get a Mortgage With Only One Year of Accounts?
Wondering if you can get a mortgage with only one year of accounts? It’s possible. Here’s how to prove stability and strengthen your case as a new business owner.
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How Lenders Assess Affordability for the Self-Employed
Learn how lenders assess affordability for the self-employed. Understand how income, expenses, and business type affect your borrowing power, with tips to prepare.
Self employed mortgages can seem confusing – here are the most common questions we’re asked, explained in plain English.