Self-Employed Mortgages

Mortgages for the self-employed

Whether you're a sole trader, freelancer, contractor, or limited company director, we understand the unique challenges self-employed borrowers face. Different lenders assess self-employed income in different ways — and knowing which lender to approach can make a huge difference to how much you can borrow. Our self-employed mortgage guide covers these nuances in detail.

Who we help

• Sole traders — income assessed on net profit from self-assessment
• Limited company directors — salary plus dividends or retained profits (also see commercial mortgages for business premises)
• Contractors — specialist day-rate calculations available
• Freelancers — multiple income streams considered
• CIS workers — Construction Industry Scheme subcontractors
• Partnership members — share of partnership profits

Why use a broker for self-employed mortgages?

Each lender calculates self-employed income differently. Some use the average of 2 years' profits, others use the latest year, and some will consider retained profits within a limited company. A broker who understands these nuances can often help you borrow significantly more than if you went directly to a bank. Try our affordability calculator for an initial estimate, or see how our process works. If you also have credit issues, we offer specialist adverse credit mortgage advice.