Your Mortgage, Built Around

The Way You Work

Being self-employed shouldn’t make getting a mortgage harder. With access to specialist lenders and years of experience helping business owners, freelancers and contractors, we make the process clear, simple and stress-free.

“Even with a flexible income, you can still access a wide range of mortgage options.”


Your home/property may be repossessed if you do not keep up repayments on your mortgage.

What Is a Self-Employed Mortgage?

If you run your own business, work as a freelancer, or operate as a contractor, you may have already realised that proving your income can feel more complicated.


But lenders aren’t looking for perfect payslips, they’re looking for stability, affordability and clear financial records.


We help you present your income correctly, match you with the right lender and secure a mortgage that works for you.

For sole traders, limited company directors & contractors

Accounts, SA302s or payslips accepted

Access to specialist lenders open to flexible incomes

Better rates with proper income assessment

Who Qualifies as Self-Employed for a Mortgage?

Sole Traders

Use your tax calculations and tax-year overview.

Limited Company Directors

Use salary + dividends or retained profits depending on the lender.

CIS Contractors

Day-rate calculations could unlock higher borrowing potential.

A Straightforward Path to Your Mortgage

Book an Initial Meeting

Arrange a free chat with one of our qualified mortgage advisers, either face-to-face, online or over the phone.

Income Assessment & Research

We review tax documents, accounts and bank statements to determine your actual borrowing potential, then seek to match you with the best option in the market

We Search Lenders for the Best Match

Our team will be on hand to submit your application, help manage the process for you and hold your hand every step of the way, through to completion.

Ready to Start?

Documents you may need

Tip: Not every lender requires 3 years’ accounts. Some accept just 1 year and a few even work with less than that.

  • 1–3 years of accounts or SA302s

  • Bank statements (business and personal)

  • Accountant’s reference (if required)

  • Proof of ongoing contracts or invoices

  • ID & proof of address

  • Credit report (we can help check this)

Common Challenges

And How We Fix Them

We Solve the Common Issues Self-Employed Applicants Face

  • We can present latest year accounts rather than an average income, to boost borrowing power.

  • We work with lenders who consider retained profits — not just salary + dividends.

  • Some lenders accept 1 year of accounts or strong projections from an accountant.

  • We search across specialist providers to find the most flexible and competitive options.

Self-Employed Mortgage FAQs

Do I really need 3 years of accounts?

Not always. Many lenders accept 1–2 years, depending on the stability of your business. Some will consider the latest year.

 Can retained profits be used for affordability?

Yes, several lenders allow this. It can significantly increase your borrowing limit.

 I’m new to contracting. Can I still apply?

Yes, some lenders use day-rate calculations even for newer contractors but would typically require 12 months' history.

 Will I pay higher rates because I'm self-employed?

Not necessarily. With the right presentation of your income, rates can be the same as if you were employed.

Get Expert Mortgage Advice Today

Let’s have a quick chat. No pressure, just honest guidance.

Real Clients. Real Success.

Ready to See What You Can Borrow?

Whether you’re a freelancer, contractor, or business owner, we make the mortgage process simple and stress-free.