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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 personalized checklist based on your specific situation.

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.