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Self-employed mortgage specialists
Sole trader, limited company director or contractor: we know which of the 120+ lenders on our panel actually understand how you earn, and how to present your income so it counts.
Free, no-obligation conversation · 5.0★ from 534 Google reviews
You earn well. Your business is solid. But the moment you say “self-employed”, the checklist doubles: more accounts, more statements, more questions, and an income figure that somehow comes out lower than what you actually make.
Most high-street lenders assess self-employed income with a blunt formula. Dividends but not retained profits. Salary but not your day rate. Last year averaged down by a slow year two years ago.
Specialist lenders assess it properly. Some work from one year’s figures. Some use your contract day rate. Some look at your company’s profit rather than what you chose to draw. Our job is to match your situation to the lender that reads it right.
However you pay yourself, there is a lender whose criteria fit. These are the cases we handle every week.
Working from net profit, including where last year was your first good year. One year’s figures can be enough with the right lender.
Lenders that assess salary plus your share of company profit, not just dividends drawn. Often the difference between a flat no and a comfortable yes.
Day-rate assessment rather than accounts, including CIS contractors and fixed-term contracts with gaps.
Left employment to do the same work for yourself? Some lenders will use your track record, not just your trading history.
Multiple businesses, mixed PAYE and self-employed income, investment income alongside. We package it so it all counts.
On a lender’s standard variable rate because switching felt like too much paperwork? We do the paperwork.
Pick a time below or call us. It costs nothing and there is no obligation.
Your adviser searches 120+ lenders, including the specialists the high street does not offer, and tells you honestly what is possible.
We handle the application and the paperwork, and keep you updated at every step until completion.
5.0★ from 534 Google reviews
“Alasdair was so helpful with our process. He has helped us with our first ever mortgage, remortgage and a new mortgage when we move home. He is very knowledgeable, has multiple solutions/options for your problems and questions. Responds very quickly, via email, WhatsApp and phone calls. Very accommodating with call times too due to our working schedule. Can’t fault the service at all.”
“As a first time buyer, I knew getting a mortgage would be daunting and stressful but Lauren and Kimberley have been absolutely wonderful. From having an introductory chat to getting our mortgage approved, they have made the whole experience easy and pain free. Thank you!”
With some lenders, one. Two years opens up more of the market and three years opens nearly all of it. If you have less history than you would like, that is a reason to talk to us, not a reason to wait.
With the right lender, yes. Several assess salary plus your share of net profit rather than dividends drawn, which often transforms what you can borrow.
Not always. Many lenders can work from your contract day rate annualised, which usually produces a far higher income figure than accounts would.
Not automatically. If your income fits a mainstream lender’s criteria you get mainstream rates. Specialist pricing only applies where the case genuinely needs a specialist.
The initial conversation is free and there is no obligation. Any fees are explained clearly and upfront before you commit to anything.
Choose a day and time that suits you and an adviser will call you back.