Self Employed and looking for a mortgage?

Being your own boss shouldn’t make getting a mortgage harder — but lenders do ask for more evidence and paperwork.

We make it easy to present your finances clearly, match you with the right lender, and avoid the common roadblocks many self-employed people face.

Tailored Support for Business Owners

What is a Self Employed mortgage?

There’s no special mortgage product for the self-employed — you’ll be offered the same deals as everyone else. The difference lies in how lenders assess your income. Whether you’re a sole trader, contractor, or limited company director, we’ll help you prepare the right documents and prove your affordability with confidence.

Expert Income Assessment

We know how different lenders assess self-employed income — including dividends, retained profit, and day rates.

Access to Flexible Lenders

Some lenders are more self-employed friendly than others. We’ll connect you to the ones who actually understand your situation.

Help with Complex Cases

Just one year of accounts? Recently switched from PAYE? We’ve helped many in similar positions get approved.

Save Time & Stress

Let us handle the back-and-forth, paperwork, and lender communications — so you can focus on running your business.

Benefits of Using a Mortgage Broker When Self Employed

Be Prepared

Things to Consider When Applying Self Employed

Proof of Income
Most lenders ask for 2–3 years of accounts, but some accept less. You may also need SA302s, tax year overviews, or business accounts.

Credit Score
Even when self-employed, your personal credit history matters. We can check this with you and offer tips to improve it if needed.

Business Stability
Lenders may look at how long you’ve been trading and whether income has fluctuated. We’ll present your case in the best light.

Deposit & Affordability
The larger the deposit, the better your chances — but even with 10% down, we can help you find competitive rates.

FAQs

Can I get a mortgage with only one year of accounts?

Yes, some lenders accept applicants with just one full year of trading. It may limit your options slightly, but it’s still possible.

Will I need an accountant?

Not always — but having professionally prepared accounts can make the process much smoother. We’ll advise based on your setup.

Can I use retained profits as income?

Some lenders will consider profits kept in your business, not just what you’ve drawn. We’ll point you to the ones who do.

What if I have multiple income sources?

No problem — we’ll help you present your full income clearly, whether from different businesses, contracts, or part-time work.

How long does the process take?

On average 8–12 weeks from application to completion. We’ll help speed it up by gathering everything upfront.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.