Self-employed

Helping you to find lenders who offer self-employed mortgages

We understand the difficulties borrowers experience when trying to secure competitive deals for self-employed mortgages. Proving your income isn’t always a straightforward process, particularly if you’ve only started up your company in the last few years.

In the past, self-employed workers could apply for a “self-cert” mortgage which allowed them to simply tell the mortgage lender what they earned. These types of mortgages no longer exist and lenders now require you to show at least one year’s accounts or SA302s. The amount you will be able to borrow is generally dependent on your last few years’ profit, so the more accounts you can show the better.

Before using a comparison website or remortgaging with your current lender, you should speak to a qualified Mortgage Adviser to ensure that you are aware of the best deals available to suit your needs. Our team can access every lender across the whole of the mortgage market and have many years of experience working with self-employed borrowers. We know based on your income, accounts and needs, which self-employed mortgage lenders to approach.