SELF EMPLOYED

SELF EMPLOYED

SELF EMPLOYED

Self-Employed Hub

Self-Employed Hub

Self-Employed Hub

Welcome to our Self-Employed Hub! We know that securing a mortgage when you're self-employed can feel challenging, with different requirements and processes to navigate. That’s why we’ve created this hub—to provide you with the key information, resources, and guidance you need to help you on your journey to homeownership as a self-employed professional or freelancer.

Welcome to our Self-Employed Hub! We know that securing a mortgage when you're self-employed can feel challenging, with different requirements and processes to navigate. That’s why we’ve created this hub—to provide you with the key information, resources, and guidance you need to help you on your journey to homeownership as a self-employed professional or freelancer.

Welcome to our Self-Employed Hub! We know that securing a mortgage when you're self-employed can feel challenging, with different requirements and processes to navigate. That’s why we’ve created this hub—to provide you with the key information, resources, and guidance you need to help you on your journey to homeownership as a self-employed professional or freelancer.

MAKING MORTGAGES EASIER FOR THE SELF-EMPLOYED

MAKING MORTGAGES EASIER FOR THE SELF-EMPLOYED

Securing a mortgage when you’re self-employed doesn’t have to be complicated. Our resources provide essential tools and information to help you streamline the process. Understanding your type of self-employed income and how best to present it to lenders can make a significant difference when applying for a mortgage. By preparing the right documents and demonstrating financial stability, you can improve your chances of approval. And of course, if you need any assistance or have questions along the way, our team is always here to help.

See what I'm eligible for

YOU ARE SELF-EMPLOYED IF:

You work as a sole trader, freelancer, or contractor, run a limited company and take income through salary or dividends, or are in a partnership receiving a share of profits. Lenders assess income differently, so the right documents are key.

YOU’RE NOT SELF-EMPLOYED IF:

You are employed, taxed through PAYE, and don’t rely on self-employed or dividend income. If you don’t own a major share in a business or operate as a sole trader, freelancer, or contractor, lenders will classify you as employed

SELF-EMPLOYED SPECIFICS

SELF-EMPLOYED SPECIFICS

Below, you'll find information on various types of self-employment, with helpful details on each. Of course, we know that everyone's circumstances are unique, so please get in touch if you'd like to discuss your specific situation.

EXPLORE YOUR OPTIONS

SOLE TRADER

If you're a sole trader, proving your income for a mortgage might seem daunting, but it’s easier than you think. Lenders assess your net profit from self-employment, as shown on your SA302 tax calculation. Here are some key things you need to know to get mortgage-ready.

COMPANY DIRECTOR

Being a company director can make getting a mortgage seem tricky, but it’s simpler than you think. Lenders typically assess your salary, dividends, or company profits. Keeping your accounts and tax returns up to date is key. Here’s what you need to know to get mortgage-ready.

CIS (CONSTRUCTION INDUSTRY SCHEME

Make the most of mortgage options designed for CIS workers, helping you get on the property ladder. Lenders may assess your income differently, making it easier to secure a loan—even with limited payslips. Explore tailored solutions to turn homeownership into a reality.

SELF-EMPLOYED FIRST-TIME BUYER

With solutions for self-employed first-time buyers with just one year’s income, our tailored options help you secure a mortgage—even with non-traditional earnings.

6X INCOME MORTGAGE

Boost your mortgage borrowing capacity with a 6x Income Mortgage. If you meet the specific eligibility criteria, you could qualify for a mortgage 6 times your earnings. So you could increase your budget by up to 20%.

As a freelance musician with complex employment contracts, securing a competitive remortgage was tougher than I expected. Barrett Mortgages made it seamless and got me a better rate than I’d hoped for. I highly recommend them!



"I recently had the pleasure of working with Barrett Mortgage Brokers while securing a mortgage for my new home, and I couldn't be more satisfied”

"I recently had the pleasure of working with Barrett Mortgage Brokers while securing a mortgage for my new home, and I couldn't be more satisfied”

J Burke - London

Why choose Barrett Mortgages?

Why choose Barrett Mortgages?

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.

Flexible Finance Options

We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Flexible Finance Options

We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Flexible Finance Options

We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Flexible Finance Options

We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle.

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Flexible Finance Options

We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.

Mortgage Solutions Tailored To You

At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle.

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Full Support

Our experienced advisors will to support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!

Flexible Finance Options

We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.

2+
2+

5* Reviews

5* Reviews

4,900+
4,900+

Successful Mortgage Completions

Successful Mortgage Completions

1 Hr
1 Hr

Average response time

Average response time

Chat with a Specialist

Chat with a Specialist

Chat with a Specialist

Chat with a Specialist

 Who will guide you through the qualification process. During our initial consultation, we aim to provide an idea of your maximum loan amount, monthly payments, and associated costs where possible, while answering any questions you may have.

 Who will guide you through the qualification process. During our initial consultation, we aim to provide an idea of your maximum loan amount, monthly payments, and associated costs where possible, while answering any questions you may have.

 Who will guide you through the qualification process. During our initial consultation, we aim to provide an idea of your maximum loan amount, monthly payments, and associated costs where possible, while answering any questions you may have.

Find your solution

Find your solution

Find your solution

Find your solution

Once we have found your solution one of our dedicated advisor's will compare all suitable products and prepare your mortgage application. We’ll then handle the submission and work towards securing your formal mortgage offer.

Once we have found your solution one of our dedicated advisor'will compare all suitable products and prepare your mortgage application. We’ll then handle the submission and work towards securing your formal mortgage offer.

Once we have found your solution one of our dedicated advisor'will compare all suitable products and prepare your mortgage application. We’ll then handle the submission and work towards securing your formal mortgage offer.

Turn Your Dream into Reality

Turn Your Dream into Reality

Turn Your Dream into Reality

Turn Your Dream into Reality

We’ll make the final steps as smooth as possible, coordinating with lenders to ensure a seamless process! —ready for you to get the confirmation to your new venture!

We’ll make the final steps as smooth as possible, coordinating with lenders to ensure a seamless process! —ready for you to get the confirmation to your new venture!

We’ll make the final steps as smooth as possible, coordinating with lenders to ensure a seamless process! —ready for you to get the confirmation to your new venture!

Blogs relevant to this topic

Blogs relevant to this topic

Blogs relevant to this topic

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Let Barrett Mortgages do the searching – and we’ll find the right solution for you.


Let Barrett Mortgages do the searching – and we’ll find the right solution for you.

REMORTGAGING: OPTIONS AND TIPS

buy-to-let-mortgage

BUY-TO-LET PURCHASE

REMORTGAGING: OPTIONS AND TIPS

buy-to-let-mortgage

BUY-TO-LET PURCHASE

man considering life insurance blog cover

LIFE INSURANCE FOR SMOKERS

REMORTGAGING: OPTIONS AND TIPS

buy-to-let-mortgage

BUY-TO-LET PURCHASE

man considering life insurance blog cover

LIFE INSURANCE FOR SMOKERS

REMORTGAGING: OPTIONS AND TIPS

buy-to-let-mortgage

BUY-TO-LET PURCHASE

man considering life insurance blog cover

LIFE INSURANCE FOR SMOKERS

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

Click. Chat. Complete.

Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

© 2024 Barrett Mortgages. All rights reserved.

*Fees Free Remortgage” refers to the lender paying for the valuation fee and basic legal fees other cost & fees may apply.

**£50 cash referral fee payments are Subject to discretion and can be withdrawn at any time**

***Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA

****For commercial lending, bridging finance, and second charge loans, we refer clients to trusted third-party specialists.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There will be a fee for this advice. The exact amount will depend upon your circumstances but we estimate it will be £295 and will only be payable on completion of the loan.

Barrett Mortgages is a trading style of Barrett Mortgages LTD who is an Appointed Representative of Mortgage Next Network ltd which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered address: Towngate House, 2-8 Parkstone Road, Poole, BH15 2PW Registered in England & Wales under number 10985778.

Copyright 2024 Barrett Mortgages | All Rights Reserved.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).