Getting a mortgage when self-employed can feel harder — but it doesn't have to be. We know which lenders work best for complex income situations and how to present your application for success.
Get My Free QuoteThe mortgage market for self-employed borrowers has improved significantly. Many lenders now accommodate sole traders, contractors, and company directors — if you know how to present your case.
The key is understanding how different lenders assess income: some use your SA302 tax returns, others look at your latest year's figures, and specialist lenders may assess your contract day rate.
With our whole-of-market access and self-employed expertise, we'll match you to the lender most likely to say yes — at the best possible rate.
Start My ApplicationDon't worry if you don't have everything — our advisers will tell you exactly what's needed for the specific lender we recommend.
We use your net profit as assessed by HMRC. Typically 2 years' SA302s required, though some lenders accept 1 year.
Income assessed as salary + dividends, or salary + net profit. We know which approach works best for your situation.
Many specialist lenders will use your annualised day rate — often resulting in a much higher borrowing capacity than SA302-based assessment.
We've helped thousands of self-employed borrowers get on the ladder.