Self-Employed2

Being self-employed can make the mortgage process feel more complex — every lender has different criteria, and no two applications are the same. That’s why we take a personal approach, ensuring you feel supported as we explore the most suitable mortgage options for your circumstances.
How your income is assessed will depend on how your business is structured — whether you’re a sole trader, limited company director, or part of a partnership. Here are a few key points to consider:

  • Lenders vary — not all mortgage providers assess self-employed income in the same way.

  • Limited company directors — some lenders will consider different elements of your company accounts, such as salary, dividends, or retained profit.

  • One year of trading may be enough — some lenders will accept just one year’s self-employed accounts.

  • CIS and contract workers — depending on the lender, you may be treated as either self-employed or employed, so understanding the market is crucial.

These are just a few of the factors that can make the process more involved. Our in-depth knowledge of the mortgage market and self-employed lending criteria means we can help match you with the right provider for your needs.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £299 to £699 and this will be discussed and agreed with you at the earliest opportunity.