Obtaining a mortgage when you are self-employed can be more complex than for those in regular employment. We provide clear guidance and support to help self-employed individuals understand their options and make informed mortgage decisions.
What is a Self-Employed Mortgage?
A Self-Employed Mortgage is a mortgage specifically tailored for individuals running their own business or working as freelancers. Lenders typically assess affordability differently for self-employed applicants, often requiring detailed evidence of income and business performance over a specified period.
Key Considerations for Self-Employed Mortgages
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Lenders usually require at least 2–3 years of accounts or tax returns to assess income
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Affordability calculations may consider business profits, personal income, and ongoing expenses
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Evidence of consistent income can improve eligibility and access to competitive rates
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Additional documentation may be requested to verify financial stability and repayment ability
Is a Self-Employed Mortgage Right for You?
A Self-Employed Mortgage may be suitable if you are running your own business or working freelance and are looking to purchase a property or remortgage.
Professional advice is essential to help identify lenders and mortgage products appropriate for your income profile, business structure, and long-term plans.
Expert Advice You Can Trust
Our advisers provide a fully advised service, supporting self-employed clients through every stage of the mortgage process. We:
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Review your financial and business circumstances
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Identify suitable mortgage options from a range of lenders
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Assist with preparing and submitting the necessary documentation
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Guide you through the application process to completion
Contact us today to discuss Self-Employed Mortgages and receive personalised advice tailored to your business and financial situation.
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Why Choose Us?
We provide personalised mortgage and protection advice to help you understand your options and make informed financial decisions.
Our experienced team supports you throughout your financial journey, offering guidance tailored to your individual circumstances and needs.
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Have Questions? Arrange a Consultation
If you would like to discuss your mortgage or protection options, please complete this form, and one of our advisers will contact you to provide guidance based on your individual circumstances.