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
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%.
J Burke - London
Blog
