Self-Employed Mortgages.
Specialist property finance solutions designed for self-employed professionals and business owners. We understand your unique income profile.
1000+
Self-employed professionals successfully secured mortgages through our specialist broker network and lender relationships.
Why Choose Us for Self-Employed Mortgages?
We specialise in getting mortgages for self-employed professionals
Expert Understanding
We understand self-employed income assessment, tax planning, and variable earnings patterns.
Specialist Lenders
Access to lenders who specialise in self-employed mortgages with competitive rates and flexible terms.
Dedicated Support
Our brokers work closely with you to present your income in the best possible light to lenders.
Faster Approvals
Our strong lender relationships mean faster processing and approval times for self-employed applications.
Self-Employed Mortgages FAQs.
Most lenders require 2-3 years of business accounts, tax returns, and personal tax returns. Some require accountant's reference and business bank statements. We'll advise on exactly what's needed for your situation.
Yes, many lenders accept limited company mortgages. They typically assess your income based on retained profit and dividends. Some lenders also consider director's loan accounts. This is where specialist advice is invaluable.
Most mainstream lenders require you to be self-employed for at least 2 years. However, specialist lenders may consider newer businesses, particularly if you have relevant industry experience. Start-ups can be more challenging but not impossible.
Many self-employed mortgages are available with standard deposit requirements (5-20%), but some lenders do prefer larger deposits (15-25%) from self-employed applicants. A larger deposit strengthens your application.
Lenders assess income based on your net profit after expenses. However, they may not accept all expenses you claim for tax purposes. Working with us ensures your income is presented optimally while remaining fully compliant.
Lenders usually average your income over 2-3 years for variable income. If you have inconsistent earnings, documenting growth trends and explaining seasonal patterns helps. Many self-employed borrowers successfully obtain mortgages with variable income.
Ready to explore self-employed mortgage options?