By the end of 2019, there were more than five million self-employed people in the UK, representing more than one in seven of all workers.

While self-employment offers many benefits, from flexible hours to ‘being your own boss’, there can be some downsides – especially when it comes to getting a mortgage.

Charles McDowell of Aldermore Bank says that research it has carried out shows that three in ten self-employed homeowners believe the mortgage process is biased against them.

The truth is rather different. Most lenders are more than happy to lend to self-employed applicants, and you generally have access to the same range of deals as employees.

However, there isn’t a ‘one-size-fits-all’ approach to underwriting self-employed mortgage applicants. So, whether you’re a company director, a contractor, or you own your own business, what a lender considers ‘your income’ really matters – and this guide is here to help you.

We have wide experience of helping self-employed borrowers

If you’re self-employed and you want to maximise your borrowing potential, we can help. We have wide experience of helping business owners, company directors, freelancers, and contractors to get the finance they need to remortgage or buy their new home. Call us on +44 (0) 20 3786 7270 or email