Mortgage advice for self-employed applicants

Whether you’re a sole trader, company director, or contractor, you’ll receive clear advice and access to lenders who understand self-employed income.

Making self-employed mortgages straightforward

Getting a mortgage when you’re self-employed is often possible, you just need the right approach and the right lender.

Understanding your income

We assess your accounts, dividends, salary, and retained profits to present your income clearly and accurately to lenders.

Access to flexible lenders

Different lenders assess self-employed income in different ways. You’ll be matched with lenders suited to your circumstances.

Preparation & documentation

We guide you on what documents are needed, including accounts, tax calculations, and bank statements, so your application is ready from the start.

Support from start to completion

From your first enquiry through to completion, everything is handled, and you’ll have support at every stage.

Clear advice, even if your income isn’t straightforward

Self-employed income isn’t always assessed in a simple way. Lenders may look at salary, dividends, net profit, or retained earnings depending on your structure.

Everything is managed for you, from selecting the lender through to submission and completion, so the process stays smooth and stress free as possible.

What you’ll get:

Clear explanation of how lenders assess your income

Access to lenders who specialise in self-employed cases

Guidance on preparing accounts and documents

Support throughout the full mortgage process

Who this is for

Sole traders

Limited company directors

Contractors and freelancers

Business owners with variable income

Clients with 1–2 years of accounts

Anyone whose income isn’t straightforward

A clear structured process so you always know what’s happening and what comes next.

Understand your income

We review your accounts tax returns and income structure to assess affordability.

Identify suitable lenders

We match you with lenders who understand your income type and are comfortable with your situation.

Prepare your application

We ensure all documents are correct and your application is presented clearly to the lender.

Through to completion

We manage the full process and keep everything progressing smoothly through to completion.

You’ll always have clear communication and support at every stage.

*When you submit this form, we will use the information you provide to respond to your enquiry. Please read our Website 'Just in Time' Notice and Privacy Policy for more information about how we use your personal data and your rights.