Self-Employed

Are you self-employed and looking to buy a home? The mortgage process can be challenging, but you’re not alone. We recognise that as a freelancer, contractor, or business owner, your income may not fit traditional moulds. That’s why we offer personalised solutions to help you secure the mortgage you need.

Let’s secure your
new home,
together!

Our experienced team is here to guide you every step of the way, providing the support you need to secure the right mortgage for you.

We are here to answer any questions you may have

  • Typically, lenders will ask for your last two years of tax returns, self-assessment statements, and business accounts, or a contract. We’ll help you understand exactly what’s needed for your specific situation.

  • Structuring your income effectively is key. We can advise you on how to present your financial information and what income level you may need to declare to enhance your application.

  • Yes, lenders usually prefer to see a consistent income history over the past two years. However, we can guide you on how to best present your earnings, even if they fluctuate.

  • It may be more challenging, but not impossible! Some lenders will consider one year of trading, your previous employment history and the viability of your current business. Others may consider a contract of you are working on a short term (e.g. “Day Rate”), contract basis. We can help you find the right lender for your situation.

  • Lenders understand that many self-employed individuals experience fluctuating income. We’ll work with you to present your income in a way that highlights your overall earning potential and stability.

Learn more about our Client Experience.

Explore our useful Articles and Guides

Get in Touch

Ready to take the next step toward homeownership? If you have any questions about the mortgage process as a self-employed individual, we’re here to help. Contact us today, and let’s embark on this exciting journey together.