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    Self-Employed & Contractor Mortgages

    Specialist mortgage solutions for self-employed individuals, contractors, and those with complex income structures. Maximize your borrowing with expert advice.

    Who We Help

    Self-Employed Sole Traders

    Business owners filing SA302 tax returns

    Limited Company Directors

    Salary plus dividends income assessment

    Contractors & Consultants

    Day rate or contract-based income

    Multiple Income Streams

    Employed + self-employed combination

    Why Choose Our Self-Employed Mortgage Service

    Flexible Income Assessment

    Lenders who understand self-employed income patterns and use latest accounts

    Maximized Borrowing

    Specialist calculations that maximize your borrowing potential based on your unique income

    Fast-Track Options

    Access to lenders offering faster decisions for established self-employed applicants

    New Business Support

    Solutions for those with less than 2 years trading history

    How We Work With Self-Employed Clients

    1

    Income Assessment

    We review your accounts, tax returns, and future contracts to determine your borrowing capacity

    2

    Documentation Support

    Clear guidance on what documents you need and help presenting your income in the best light

    3

    Lender Matching

    We match you with lenders whose criteria align with your specific self-employment situation

    4

    Application & Beyond

    Full support through underwriting, addressing any questions that arise about your income

    Typical Documentation Required

    • Latest 2-3 years SA302 tax calculations and tax year overviews (sole traders)
    • Latest 2 years company accounts (limited company directors)
    • Latest 3-6 months business bank statements
    • Accountant's reference (often beneficial)
    • Evidence of future contracts (contractors)
    • Proof of deposit and identification documents

    * Requirements vary by lender. We'll provide a checklist based on your circumstances and the selected lender.

    Frequently Asked Questions

    Ready to Get Your Mortgage Approved?

    Don't let self-employment hold you back. Our specialist knowledge maximizes your chances of approval at the best rates.