Mortgages forSelf-Employed Borrowers
Being self-employed doesn't mean you can't get a great mortgage. I specialise in helping business owners, contractors, and freelancers find the right deal.
Min Trading History
Specialist Lenders
No Broker Fees
Response Time
I Help All Types of Self-Employed Borrowers
Whether you're a sole trader, contractor, or company director, I understand how to present your income to lenders.
Standard self-employed individuals running their own business.
- Net profit assessment
- SA302 or tax calculations
- 1-3 years trading history
Directors who take salary and dividends from their business.
- Salary + dividends
- Retained profits considered
- Company accounts required
IT contractors, interim managers, and day-rate professionals.
- Day rate calculations
- Contract evidence
- Specialist lenders
Business partners with shared profits and responsibilities.
- Share of profit assessed
- Partnership accounts
- Individual SA302s
How Lenders Assess Self-Employed Income
Understanding how lenders calculate your income is key to maximising what you can borrow.
Average of Last 2-3 Years
Most lenders average your last 2-3 years of income. If your income is growing, some will use the latest year's figure instead.
Salary + Dividends
For limited company directors, most lenders add salary and dividends together. Some also consider retained profits in the company.
Day Rate Annualisation
Contractor specialists can calculate your income by annualising your day rate (e.g., £500/day × 220 days = £110,000).
Expert Help for Self-Employed Mortgages
Specialist Lender Access
I work with lenders who specialise in self-employed mortgages and understand complex income.
Income Maximisation
I know how different lenders calculate income and can find the one that works best for your situation.
Free, Expert Advice
No broker fees - I'm paid by the lender. You get professional advice at no cost.
Less Than 2 Years Trading?
Some lenders accept just 1 year's accounts. I can help find options for newer businesses.
Documents You'll Need
The exact documents depend on your business structure, but typically include:
- SA302s and Tax Year Overviews (2-3 years)
- Business accounts or accountant's certificate
- Bank statements (personal and business)
- Proof of ID and address
- Details of any outstanding debts
Don't have your SA302s? You can download them instantly from your HMRC online account. I can walk you through this if needed.
Self-Employed Mortgage Questions
Self-Employed? Let's Talk
Book a free consultation to discuss your mortgage options. I'll explain how lenders will view your income and find the best deals for your situation.
Free advice • No obligation • FCA regulated