PROFESSIONAL PROPERTY PEOPLE

Self-employed does not mean
unqualified.

Sole traders, contractors, freelancers, and limited company directors. We work with the lenders who understand your income structure and how to read it properly. Whole of UK market, no upfront fees, complex cases welcome.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT
KEEP UP REPAYMENTS ON YOUR MORTGAGE.
SELF-EMPLOYED

Getting a mortgage when you are self-employed

Getting a mortgage when you are self-employed is not harder, it just 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 and common-sense view of self-employed income.
Whether you are a sole trader, contractor, freelancer, or limited company director, we know which lenders will look favourably at your application and how to present your income in the strongest possible light. The right lender for your case is rarely the one your bank will send you to.
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One Year Accounts
Some lenders consider just one year of self-employed trading history. We know which ones and how to present your case in the strongest way.
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Contractor Day Rate
For contractors we work with lenders who use your day rate (rate x 5 x 46 typically) instead of your taxable net profit, lifting borrowing.
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Limited Company Directors
For directors we work with lenders who consider salary plus dividends, and a select few who include retained profit in their affordability.
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No Upfront Fees
We only charge a broker fee on completion. If your mortgage does not complete, you do not pay us anything. No hidden costs, no surprises.
How We Help

Everything We Do For You

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Income Assessment
We assess your income structure and identify the lenders most likely to accept your application.
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Document Preparation
We tell you exactly which documents to prepare to present your income in the strongest light.
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Lender Matching
We match your profile to lenders who specialise in self-employed cases, not generic high street banks.
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Application Management
We handle the paperwork and liaise with the lender on your behalf, end to end.
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Protection Review
Self-employed income is less secure. We make sure you have the right income protection in place.
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Ongoing Support
We review your mortgage before it expires and stay with you as your business grows.
Who We Help

Types of Self-Employment We Advise

Sole Traders
We use your SA302 tax calculations and HMRC Tax Year Overviews to evidence your income to lenders. Two years standard, one year considered.
Contractors
We work with lenders who assess affordability based on your day rate rather than net profit, often significantly increasing your borrowing power.
Limited Company Directors
We work with lenders who assess salary plus dividends, plus a smaller group who include retained profit. The right one increases your borrowing.
Freelancers
Variable income is not a barrier. We identify lenders who average your income across two or three years rather than just using the most recent.
We advise on a range of government schemes to help first-time buyers get onto the property ladder. Eligibility criteria apply and schemes are subject to change. We will confirm which options are available to you during your consultation.
HOW IT WORKS

Four steps designed for self-employed applicants

Four simple steps designed for self-employed applicants
1

Income Review

A short call to understand your income structure and identify the most suitable lenders for your situation.
2

Document Preparation

Document preparation Body: We tell you exactly which documents you need and how to present them for the strongest application.
3

Application

We submit your application to the right lender and manage the process through to mortgage offer.
4

Completion and beyond

We stay with you through to completion and review your mortgage again before the next fixed rate ends.
common Questions

Self-Employed Mortgages FAQs

Straight answers to the questions we hear most often.
How many years of accounts do I need?
Most lenders require two years of accounts or SA302s. We also work with lenders who consider just one year of trading history in the right circumstances.
How is my income calculated?
For sole traders, lenders typically use net profit. For limited company directors, salary plus dividends, with a select group also considering retained profit. For contractors, many lenders use day rate x 5 x 46 weeks.
Can I get a mortgage if my income varies?
Yes. We work with lenders who take an average of your income across two or three years rather than just the most recent year, which helps if your 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 always improves your options and your rate.
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 on the first call.
We Understand Your Situation

Self-Employed and Ready to Buy?

Book a free consultation. We will tell you which calculation suits your structure,
which lenders will say yes, and what borrowing figure that produces.
Book Your Free Consultation