Self-Employed Mortgages
Support that fits how you actually earn a living
Being self-employed doesn’t mean you can’t get a mortgage — it just means the process looks a little different. Lenders still want to see that your income is stable and sustainable, but they often ask for different paperwork or longer proof of earnings.
I’ll help you understand how it works, what lenders will look for, and how to present your case clearly — so you can buy or remortgage with confidence.
Is This Right for You?
You might be looking at a self-employed mortgage if:
- You’re a sole trader, limited company director, or freelancer
- You’re paid through dividends, day rates, or irregular income
- You’ve been turned away by lenders who didn’t understand your setup
- You’re unsure what counts as “income” for affordability
- You want help making your accounts work for your application
Download your free mini guide
Discover the 5 things you need to consider before applying for a mortgage as well as the key milestones along the way.
Frequently Asked Questions
Usually 1–3 years of accounts, SA302 forms, tax overviews, and possibly accountant references. I’ll help you gather exactly what’s needed.
That’s common — many lenders average your last two years, while some take the most recent year. I’ll help you find a lender who fits your income pattern.
It’s tougher, but not impossible. Some lenders may consider 12 months with strong figures or relevant experience.
Lenders may look at salary and dividend — or your full retained profit. I’ll help you structure your application for the best outcome.
Not always. I’ll compare options across mainstream and specialist lenders and explain the pros and cons of each.
How I Can Help
You don’t need a 9–5 to get a mortgage
Being self-employed doesn’t mean things have to be complicated. I’ll help you get everything in order, explain your income clearly to lenders, and support you through the process — step by step.