Mortgages for the Self-Employed
Being your own boss shouldn't mean being locked out of the property market. We specialise in finding the right lenders who understand complex income streams.
Navigating Self-Employed Income
Many high street lenders rely on rigid automated systems that struggle to assess self-employed income accurately. Whether you run a limited company, are a sole trader, or are a contractor, we know exactly how to present your application:
Limited Company Directors
Most lenders average your salary and dividends over two years. However, we have access to
lenders who can assess your application based on your salary plus your share of the retained
profits, drastically increasing your borrowing limit.
Sole Traders & Partnerships
Lenders typically look at your net profit from your SA302 forms. We can find lenders who
will consider just your most recent year's figures if your profits have jumped recently,
rather than averaging lower past performance.
Contractors & Freelancers
We can source mortgages based on your day rate rather than your finalised accounts. If you
have a solid track record in your industry, lenders often accept this even if you've only
been contracting for a short time.
Only 1 Year of Accounts?
While 2-3 years is standard, it is not always necessary. We work with specialist lenders who
are entirely comfortable offering competitive rates to self-employed individuals with just
one full year of filed accounts.
Preparation is Key
The secret to a smooth self-employed mortgage application is having your documentation perfectly aligned. We work closely with you (and your accountant) to gather your tax calculations, tax year overviews, and business bank statements, presenting a watertight case to the lender.