Mortgages
Self-Employed Mortgage Advice
If you're a sole trader, company director or contractor, your mortgage application doesn't have to be harder — it just needs the right lender. We know which lenders treat self-employed income fairly, and we structure your case to give it the best chance of approval at the best rate.
Why Choose Us
Self-employed mortgages, without the hoops
Self-employed applicants are routinely turned away by high-street branches that don't understand how their income works. As FCA-regulated brokers we work with a broad panel of lenders — including specialist self-employed lenders — and place your application with the one most likely to lend on the most generous terms.
- Lenders accepting 1 year's accounts as well as 2–3 year track records
- Company directors assessed on salary plus retained profit where it helps
- Contractor day-rate underwriting for IT, engineering and locum professionals
- Specialist options for newly-self-employed and recently-incorporated applicants
- FCA-regulated advice — we research, negotiate and run the application end-to-end
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your Journey
A straightforward process
Income Review
We map your income — sole trader, salary/dividends, retained profit or day-rate — against lender criteria.
Lender Selection
We shortlist lenders whose underwriting methodology gives your case the strongest affordability.
Application Build
We package SA302s, accountant certificates or contract evidence in the format each lender expects.
Offer & Completion
We manage valuation, offer and legal completion, keeping the lender, solicitor and you in step.
FAQs
Common questions
How many years of accounts do I need for a self-employed mortgage?+
Most high-street lenders ask for two to three years of accounts or SA302s, but a growing number will lend against a single year — particularly for company directors who can demonstrate retained profits. We know which lenders are most flexible for your length of trading history.
Do lenders use net profit, salary plus dividends, or retained profits?+
It depends entirely on the lender. Sole traders are typically assessed on net profit. Limited company directors are usually assessed on salary plus dividends, but a handful of lenders will use salary plus share of net profit — which can dramatically increase your borrowing if you retain earnings in the business.
Can I get a mortgage if I'm a contractor on day-rate?+
Yes. Several lenders specifically underwrite contractor income on a day-rate basis (typically day rate × 5 × 46–48 weeks) rather than asking for accounts. This often produces a much stronger affordability figure than treating you as self-employed.
Will recent dips in profit because of investment hurt my application?+
Not necessarily. Some lenders take an average of the last two or three years; others use the most recent year. If your latest year is lower because of one-off investment, we can position your application with a lender whose methodology fits your circumstances.
Do I need a bigger deposit if I'm self-employed?+
No — self-employed applicants can borrow at the same loan-to-value as employed applicants, including 90% and 95% LTV products. A larger deposit may open up sharper rates, but it isn't a requirement of being self-employed.
Self-employed and ready to buy or remortgage?
Tell us about your business set-up and we'll come back with the lenders most likely to lend on the most generous terms — at no cost to you.
Your home may be repossessed if you do not keep up repayments on your mortgage