Mortgage Solutions
Finding the right mortgage when you’re self-employed can be challenging, but expert advice can make the process much easier. Whether you’re a sole trader, limited company director, contractor, freelancer or business owner, we help you explore the best self-employed mortgage options available. Our experienced mortgage advisers understand how lenders assess self-employed income, including company profits, dividends and retained earnings, helping you present your application in the strongest possible way. From first-time buyers to experienced property investors, we provide tailored mortgage advice to help self-employed applicants secure the right finance with confidence.
Your credit profile plays an important role in your mortgage application and can affect the deals you’re eligible for. Checking your credit report before applying gives you the opportunity to spot any errors, understand your financial position, and improve your chances of securing a competitive mortgage.
Yes, self-employed applicants can get a mortgage. Many lenders offer mortgages specifically for self-employed borrowers, including sole traders, limited company directors, contractors and freelancers. The key is presenting your income and financial position in a way that strengthens your case in front of the mortgage lender.
Lenders assess self-employed income differently depending on your business structure. They may consider salary, dividends, company profits, retained profits, or your share of business income. As expert mortgage advisers we can help identify mortgage lenders who take the most suitable approach for your circumstances.
Yes. Limited company directors can apply for a mortgage, and lenders may consider a combination of salary, dividends and, in some cases, retained profits when assessing affordability.
Possibly. Some lenders are willing to consider applicants with less than two years of self-employment, particularly where there is a strong previous employment history, relevant experience in the same industry, or good business performance.
Yes. Contractors and freelancers can often access specialist mortgage options. Lenders may assess income using contract rates, day rates or annualised earnings, depending on their criteria.
Self-employed income can vary and may not always fit traditional lending models. Some lenders have stricter requirements, while others specialise in understanding complex income structures. Our specialist mortgage advice can help match you with mortgage lenders who are more likely to accept your circumstances.
You may need documents such as:
Being self-employed shouldn’t limit your mortgage options. Our experienced mortgage advisers take the time to understand your business, income structure and future plans, helping you find lenders who are more likely to support your circumstances.
Whether you’re a sole trader, limited company director, contractor, freelancer or business owner, we can help with:
Finding the right lenders
We have access to a wide range of mortgage providers, including lenders who specialise in self-employed applicants and take a flexible approach to assessing income.
Understanding your income
Self-employed income can be complex. We help present your earnings correctly, including salary, dividends, company profits, retained profits and contractor income, to strengthen your mortgage application.
Improving your chances of approval
Every lender has different criteria. We match your circumstances with suitable mortgage options, helping you avoid unnecessary applications and delays.
Supporting you from application to completion
From your initial consultation through to receiving your mortgage offer, we guide you through every step, making the process as smooth and straightforward as possible.
Whether you’re buying your first home, moving up the property ladder, remortgaging or investing in property, our specialist self-employed mortgage advice can help you secure the right solution.
