How many years of accounts do I need?

Most high street lenders want two to three years, but specialist lenders can consider one year's accounts or even a strong projection for newly self-employed applicants. Our adviser partner will match you to the right lender.

Can contractors get a mortgage based on day rate?

Yes. Several lenders assess contractor income using your daily rate multiplied by the number of working weeks, rather than requiring accounts. This can significantly increase your borrowing capacity.

Will retained profits in my limited company count?

Some lenders include retained profits alongside salary and dividends when assessing affordability. This can boost the amount you can borrow as a company director.

Does being self-employed affect mortgage rates?

Not necessarily. Self-employed applicants access the same products as employed borrowers once a lender is comfortable with the income evidence. The key is choosing a lender that understands how you're paid.

Self-Employed Mortgages

Being self-employed shouldn't make getting a mortgage harder. We work with specialist lenders who understand contractors, sole traders and company directors across Hampshire.

Mortgages for the Self-Employed

High street lenders can be cautious with self-employed income, but specialist lenders take a more flexible view. Whether you're a contractor, sole trader or run a limited company, our adviser partner knows which lenders fit your situation.

Flexible Criteria

Some lenders accept just one year's accounts or SA302 tax calculations.

Contractor Income

Day-rate contractor mortgages based on your annualised contract value.

Company Directors

Lenders that assess salary plus dividends or retained profits.

Who We Help

Sole traders and partnerships with 1-2 years of accounts

Limited company directors paying salary and dividends

IT and professional contractors on day-rate contracts

Freelancers with variable or seasonal income

Self-employed with retained profits in a limited company

Newly self-employed with less than two years trading

How It Works

Simple, transparent process from start to finish

Assess Your Income

We review your accounts, SA302s or contract to understand how lenders will view your income.

Match a Lender

We identify the specialist lenders whose criteria fit your self-employed circumstances.

Application Support

We manage the application and income evidence so it's presented clearly to the lender.

Self-Employed Mortgage FAQs

Answers for contractors and business owners

FCA Regulated Partners

Whole of Market

5★ Rated

4,796+ Clients Helped

90+ Lenders

Tell us what you need help with

Answer a few quick questions and we'll match you with the right FCA-regulated partner for your situation.