Mortgage Advice Designed for Self-Employed Professionals and Business Owners.
Being self-employed should never prevent you from owning a home or investing in property. Whether you're a sole trader, limited company director, contractor, freelancer, partner or business owner, we understand every self-employed client has a unique financial situation, and we search a wide range of UK lenders experienced in lending to self-employed applicants.
How We Can Help
Whether you're a sole trader, contractor or limited company director, we can help by:
- Taking time to understand your business structure and income.
- Explaining how lenders assess self-employed income.
- Reviewing your financial circumstances.
- Searching a wide range of UK lenders.
- Explaining documentation required before you apply.
- Managing your application from submission through to completion.
- Liaising with lenders, solicitors and your accountant where appropriate.
Mortgages for Self-Employed Clients
Many people believe that being self-employed makes it difficult to obtain a mortgage. In reality, there are many lenders in the UK who are experienced in lending to self-employed applicants.
The challenge is that every lender has different lending criteria, income assessment methods and documentation requirements.
I can help you understand your options and identify lenders whose criteria may be suitable for your circumstances.
Who Can We Help?
Sole Traders
Self-assessed income reviewed using SA302 tax calculations and Tax Year Overviews from HMRC.
Limited Company Directors
Salary, dividends and retained profits assessed depending on the lender.
Business Owners
Advice tailored to owner-managed businesses and their income structure.
Contractors
Support whether you're paid via day rate, contract value or an umbrella company.
Freelancers
Mortgage options for clients with variable or project-based income.
Partnerships & LLPs
Advice reflecting your share of partnership or LLP profits.
Consultants
Guidance for consultants working across multiple clients or contracts.
Multiple Income Sources
Combining income from several sources where lender criteria allow.
Newly Self-Employed
Options for recently self-employed applicants, subject to lender criteria.
Why Choose Us?
Whole of Market
We search a wide range of UK mortgage lenders rather than recommending the same solution to every client.
Personal & Friendly
Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.
Support Throughout
From your initial enquiry through to completion, and ongoing assistance afterwards.
Documents You May Need
Although requirements vary between lenders, you may be asked to provide:
Income Evidence
- SA302 tax calculations.
- Tax Year Overviews from HMRC.
Company Accounts
- Limited company accounts.
- Certified accounts prepared by an accountant.
- Business bank statements.
Identification
- Personal bank statements.
- Identification and proof of address.
We will explain exactly what documentation is required for your chosen lender and support you throughout the application process.
Protecting Your Income, Business and Family
As a business owner, protecting your income can be just as important as protecting your mortgage. We can also advise on:
Our Service Includes
- Searching a wide range of UK lenders.
- Identifying lenders whose criteria may suit your circumstances.
- Explaining the mortgage process in straightforward language.
- Managing your application from start to finish.
- Working closely with housing associations, solicitors and lenders to help keep your purchase progressing smoothly.