Self-Employed Mortgages
Maximise Your Borrowing Power. Minimise Your Stress.
- Low Deposit Options Available
- Access to Exclusive Rates
- Fast, Streamlined Application Process
- Tailored Solutions for Complex Income
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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
No hoops. No delays.
Our Fast-Track Accelerator — Get Mortgage-Ready Quickly
Our Fast-Track Accelerator is our streamlined document-gathering and preparation service, designed to help self-employed applicants get their mortgage application ready as quickly as possible.
We help you identify the right lenders, prepare your documents, and submit your Mortgage in Principle application promptly. Please note that approval timescales depend on the lender’s response times and cannot be guaranteed.
Boost your approval chances
—
without the stress
We make it simple to qualify:
✔️ Flexible lender criteria
✔️ Competitive self-employed mortgage rates
Specialist mortgages for self-employed professionals & sole traders
Gain access to over 70+ lenders, including exclusive deals tailored for self-employed applicants.
We compare 2,000+ mortgage products to find the right match for your income, business setup, and future plans.
A Quick & Easy Way to Secure a Self-Employed Mortgage
- When your fixed or introductory rate ends, switching to a new deal before you move onto your lender's SVR could save you hundreds—or even thousands—each year.
- If interest rates have dropped—or your credit score or income has improved—you may now qualify for a better deal than when you first applied.
- If your home has gone up in value since your initial mortgage, your loan-to-value (LTV) ratio improves. This can make you eligible for more competitive rates.
- Unsure what documents you need?
You’re not alone—and we’re here to make it simple.
Mortgages for the Self-Employed, Without the Stress
There are over 4.2 million self-employed people in the UK (ONS), yet getting a mortgage is often more challenging for business owners than for PAYE employees. That’s because lenders want to see stable, predictable income—which isn’t always straightforward when you’re running a business.
As a self-employed applicant, you may face more paperwork, more checks, and more uncertainty. But here’s the good news:
With accurate records, a decent credit score, and the right guidance, you absolutely can get a mortgage—even with just one year of accounts.
We specialise in helping self-employed individuals secure mortgages quickly and with confidence—whether you’re looking to buy your first home, remortgage, or invest in a buy-to-let.
We’ve Helped Self-Employed Clients in All Situations
From contractors to company directors, we’ve seen it all:
- Mortgages with just one year’s accounts
- Lenders willing to use only the latest year’s income
- Ignoring previous low-income years due to one-off costs (e.g., vehicle purchase)
- Company directors taking low salary and dividends
- Joint shareholders with other income sources
- Contractors paid via day rates instead of accounts
And many more complex scenarios. If it’s out there, we’ve probably handled it.