Self-Employed Mortgages
Specialist mortgage solutions for self-employed and contractor borrowers
Being self-employed doesn't mean getting a mortgage has to be difficult. While the process can be slightly different, we work with lenders who specialise in self-employed and contractor mortgages.
Whether you're a sole trader, in a partnership, or a limited company director, we understand how to present your income in the best light to lenders.
Key Benefits
1 Year's Accounts
Some lenders accept just one year of trading history
Contractor Friendly
Day-rate based assessments available
Company Directors
Salary plus dividends or retained profits considered
Complex Income
We understand multiple income streams
What Lenders Look For
Most lenders will want to see at least two years of accounts or SA302 tax returns, though some will consider applicants with just one year's trading history. We know which lenders take a flexible view on self-employed income.
For contractors, some lenders will assess your income based on your day rate rather than your tax returns, which can significantly increase the amount you can borrow. We'll identify the best approach for your situation.
Ready to Get Started?
Speak to one of our expert mortgage advisors today. We'll provide personalized advice and guide you through every step of your mortgage or insurance journey.
- Free initial discovery call
- Whole of market advice
- Support from start to finish