Not harder. Just different.
Getting a mortgage when you are self-employed is not harder. It requires the right broker. Most high street lenders use rigid criteria that disadvantage self-employed applicants. We work with lenders who take a more flexible, real-world approach and we know how to present your income in the strongest possible light.
Whether you are a sole trader, contractor, freelancer, or limited company director, we will identify the lenders most likely to accept your case, then prepare the application to give it the best chance of approval.
How lenders can assess your income.
One Year Accounts
Some lenders accept just one year of trading history in the right circumstances.
Contractor Day Rate
We work with lenders who assess your day rate annualised, not your net profit.
Limited Company Directors
Salary plus dividends or net profit assessed by specialist lenders, not just the standard high street formula.
No Upfront Fees
We only charge on completion. The income review is free.
Everything we do for you.
Income assessment
We assess your income structure properly and identify the lenders most likely to accept the case.
Document preparation
We tell you exactly which documents to prepare and how to present your income to give the strongest application.
Lender matching
We match your profile to lenders who specialise in self-employed cases, not generic high street banks running tick-box criteria.
Application management
We handle the paperwork and lender liaison through to completion.
Protection review
Self-employed income is less protected by default. We make sure income protection and life cover are in place to match.
Ongoing support
We review your mortgage before it expires and stay with you as your business grows.
Whatever your structure.
Sole Traders
We use your SA302 tax calculations and HMRC tax year overviews to evidence your income to lenders. The right lender depends on the trend and the trade.
Contractors
We work with lenders who assess affordability based on your day rate annualised, rather than net profit. That can significantly increase your borrowing potential.
Limited Company Directors
We work with lenders who assess salary plus dividends or net profit retained in the business, to maximise borrowing as a director.
Freelancers
Variable income does not have to be a barrier. We identify lenders who average your income over two or three years.
Four steps, built for self-employed applicants.
Income review
We assess your income structure and identify the most suitable lenders for your case.
Document preparation
We tell you exactly what to prepare and how to present it for the strongest application.
Application
We submit your application to the right lender and manage the process end to end.
Completion
Your mortgage completes. We stay in touch and review before your next renewal.
Self-Employed Mortgage FAQs.
How many years of accounts do I need?
Most lenders ask for two years of accounts or SA302s. We work with lenders who consider just one year of trading history in the right circumstances.
How is my income calculated?
Sole traders: net profit. Limited company directors: salary plus dividends, or net profit in some cases. Contractors: day rate annualised by many specialist lenders.
Can I get a mortgage if my income varies?
Yes. We work with lenders who average your income over two or three years rather than using only the most recent year, which helps when income has fluctuated.
Do I need a large deposit?
Not necessarily. Self-employed applicants can access mortgages with as little as 5% to 10% deposit with the right lender. A larger deposit does improve your options.
Will being self-employed affect my mortgage rate?
Not if you use the right broker. We match you to lenders who specialise in self-employed cases and offer competitive rates comparable to employed applicants.
What documents will I need?
Typically two years of SA302s or certified accounts, HMRC tax year overviews, three months of bank statements, and proof of identity and address. We give you a full checklist at consultation.
