Some forms of Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
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Self-Employed Mortgage Advice
Applying for a mortgage when you’re self-employed comes with extra checks — but it doesn’t need to be stressful. We’ll make the process clear and guide you from start to finish.
We can help you with:
- Lenders who accept salary, dividends, and retained profits.
- Mortgages for contractors, freelancers, and small business owners.
- Guidance on the documents you’ll need (SA302s, accounts, or accountant letters).
- Finding competitive deals from lenders who understand variable income.
- Managing your mortgage application through to approval.
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This information is a guide only and should not be relied on as a recommendation or advice that any particular Mortgage product is suitable for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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The Self-Employed Journey
Your path to a mortgage, simplified:
- Chat with Us – Tell us about your business and income structure.
- Find the Right Deal – We’ll match you with lenders who support self-employed borrowers.
- Apply with Confidence – We handle the paperwork and liaise with the lender.
- Get Approved – Secure your mortgage and move forward with peace of mind.
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Frequently Asked Questions
It depends on your income, deposit, and credit profile. Use our calculator for an estimate, then we’ll provide a tailored affordability check.
Tip: Avoid large gaps in contracts or late tax filings — consistency helps with approvals.
Yes – many lenders have products designed for contractors and freelancers, often using day rates or average income across contracts.
Tip: Keep a record of ongoing and past contracts to strengthen your application.
Not necessarily — if your income is stable and documents are in order, rates can be just as competitive as employed applicants.
Tip: The key is presenting your income in the best way possible — that’s where a broker helps.
Many lenders consider both salary and dividends, while some allow retained profits to be included.
Tip: Choosing the right lender can significantly boost your borrowing potential.
Typically: SA302s, tax year overviews, full accounts, or accountant’s reference letters. Requirements vary by lender.
Tip: Keep your accounts up to date — lenders prefer the latest year’s figures.
Yes – some specialist lenders accept just 1 year of accounts or SA302s.
Tip: Having an accountant’s verification strengthens your application.