Mortgages for the
Self-Employed: Your Path to Homeownership

Being your own boss offers freedom, but it can also bring unique challenges, especially when it comes to securing a mortgage. We understand that proving your income isn't always as straightforward as providing a few payslips. That's why we specialise in creating tailored mortgage solutions for sole traders, and limited company directors just like you.

Our expert team is here to guide you through your mortgage journey with confidence, turning your dream of homeownership into a reality.

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Understanding Mortgages When You're Self-Employed

Getting a mortgage with a variable income or complex financial history can feel daunting, but we want to assure you that securing a mortgage as a self-employed individual is absolutely possible. Many lenders today recognise the value and stability of your business and are ready to support your homeownership goals.

The key is presenting your financial information in a way that clearly demonstrates affordability and sustainability. This is where our specialist support makes all the difference. We work with a broad panel of lenders who understand the nuances of self-employed finances.

  • Proving Your Income: Whether you draw a salary, dividends, or retain profit in your company, we know how to present your earnings effectively.

  • Fluctuating Earnings: We help lenders see the bigger picture beyond month-to-month variations, focusing on your consistent track record.

  • Limited Trading History: Even if you have only been trading for 12 months, we have access to lenders who are willing to consider your application.

  • Complex Documentation: We will guide you on exactly what paperwork is needed, from SA302s and tax year overviews to company accounts, making the process simple and stress-free.

Common Hurdles We Help You Overcome:

How We Provide Your Bespoke Mortgage Solution

We believe that being self-employed should be an advantage, not a barrier. Our dedicated service is designed to provide you with the clarity, support, and access you need to secure the right mortgage.

  • We start by getting to know you and your business. By understanding your income structure, trading history, and future goals, we build a comprehensive picture of your financial strength. This allows us to create a tailored application that highlights your creditworthiness.

  • Our established relationships with a wide range of mortgage providers, including those who specialise in self-employed cases, give you access to competitive rates and flexible lending criteria that you might not find on your own.

  • The mortgage process can feel overwhelming, but we’re here to help. From the first consultation to final approval, we provide clear, transparent communication and our team are always on hand to assist and answer your questions.

  • We are committed to finding you a mortgage with favourable terms and a competitive interest rate. We will present you with clear, easy-to-understand options, empowering you to make the best decision for your financial future.

Are You Eligible?

Lenders' criteria can vary, but here are some general guidelines for self-employed applicants:

  • Trading Period: A minimum of one year's accounts or tax returns is typically required.

  • Income Proof: You will need to provide documents such as SA302 forms, tax year overviews, certified accounts, or business bank statements.

  • Deposit: A deposit of at least 5-10% is usually needed, but a larger deposit can open up more competitive rates.

Never assume you won't be approved. As a top-rated mortgage broker, we are here to guide you on every step of your journey and find a solution that fits your unique circumstances.

What documents do I need to provide?

To ensure your mortgage application goes smoothly, having the right documents ready is essential.

Two of the most commonly requested documents for self-employed applicants are the SA302 and the Tax Year Overview. These help lenders verify your income as declared to HM Revenue & Customs (HMRC).

What is an SA302?

An SA302 is a summary of your income as calculated by HMRC based on your Self Assessment tax return. Lenders use this document to verify your declared earnings and assess your affordability for a mortgage.

What is a Tax Year Overview?

A Tax Year Overview is a document from HMRC that confirms the tax you have paid or owe for a specific tax year. Lenders often ask for this alongside your SA302 to cross-check your income and tax information.

How to download your SA302 and Tax Year Overview from the Government website

Follow these steps to download your SA302 and Tax Year Overview:

  1. Log in to your HMRC online account.

  2. Once logged in, go to the 'Self Assessment' section.

  3. Select ‘View Your Tax Return’ for the required year.

  4. Click on ‘View your calculation’ to access your SA302.

  5. To print your SA302, use the option labelled ‘Print your full calculation’.

  6. For your Tax Year Overview, return to the Self Assessment summary page and select ‘Tax Year Overview’ for the same tax year.

  7. Print or save the document for your records.

If you use an accountant or third-party software to file your return, your accountant can usually provide these documents directly.

If you have any questions or need help retrieving the necessary paperwork, just let us know—we’re here to guide you every step of the way.

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Let's Start Your Mortgage Journey Today

Ready to take the next step towards owning your home? Our friendly team of experts is here to provide the specialist support you need.

Contact us today for a free, no-obligation consultation to explore your options.