Self-Employed Mortgage Advice
If you’re looking for a mortgage, are self-employed and unsure what’s possible, the best place to start is a conversation. It takes less than 30 seconds to get started.
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Your home or property may be repossessed if you do not keep up the repayments on your mortgage.
Larger Mortgages
Lower Rates
Faster Decisions
Struggling to prove your income?
Clear and straightforward mortgage advice.
For contractors, sole traders or company directors
Access to a wide range of lenders
Expert guidance through complex criteria
No obligation, no pressure
Your details are 100% confidential
Over 25 years’ experience
Support from enquiry to mortgage offer
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Fill in this quick form or call us to arrange an initial chat. Let’s help you borrow more, pay less and get the home you really want.
By submitting this form, you are agreeing to our privacy policy
Your home or property may be repossessed if you do not keep up the repayments on your mortgage.
Mortgages Designed Around Self-Employed Income
If you’re self-employed, getting a mortgage can feel more complicated than it should be. Lenders often assess income differently, and knowing which ones will consider your circumstances isn’t always clear.
We specialise in helping self-employed clients, whether you’re a sole trader, limited company director or contractor, find mortgage options that reflect your real income, not just what’s on paper.
With access to a broad panel of lenders, we match your situation to those most likely to support your application, helping you avoid unnecessary declines and delays.
Check what you can borrow
Helping To Secure the Right Mortgage For You
We manage the process from start to finish, so you’re not left trying to navigate lender criteria on your own. Here’s how we support you:
Review your income structure and accounts
Identify lenders suited to self-employed applicants
Advise on how much you can realistically borrow
Prepare and present your application correctly
Handle all communication with the lender
Our aim is simple – to make the process clear, reduce stress, and give you the best possible chance of success.
Why Choose Easy Street?
Borrow More
We work with lenders who consider retained profits and business performance, not just income drawn.
Access Specialist Lenders
150+ lenders reviewed – including options not available directly to the public.
Faster Application Process
We streamline your application by gathering accounts, tax documentation, and everything needed upfront to keep things moving quickly.
Less Work for You
We handle underwriters and manage all paperwork from start to finish – so you can stay focused on what matters most.
Tailored Advice
Every director’s income structure is unique. We match you with the lender that fits your exact circumstances.
Rated ★★★★★ by Clients
Trusted by directors across the UK for clear, straightforward guidance and excellent outcomes.
All advice is provided with your best interests at heart and tailored to your personal circumstances.
Darren Mclaughlin in particular has been excellent. He was extremely friendly and explained everything to us clearly and concisely at each stage.
He was quick to respond to any queries that we had and made the whole process very easy. I would highly recommend Easy Street Financial Services.
Highly recommend.
Recommended.
It saved me a lot of time to take Easystreet services in the paperwork of mortgage application.
What Lenders Look for (And How We Help You Prepare)
Self-employed mortgage applications are assessed differently, but that doesn’t mean your options are limited. Lenders may consider:
Your net profit
The number of years’ accounts available
Contract income (for day-rate contractors)
Business performance and stability
We will explain exactly what’s needed for your situation and help you prepare everything properly before applying – saving you time and protecting your credit profile. Get independent mortgage advice today
Self-Employed Mortgage Success Stories
Your circumstances may be different – but there’s almost always a solution.
Case Study: 90% LTV Mortgage Secured for Dental Practice Directors
Arranging a mortgage as a Limited Company director can be tough—especially when your income is structured for tax efficiency. We often hear from business owners who’ve been turned down elsewhere, not because they can’t afford the mortgage, but because their application didn’t reflect the full picture.
One such couple—both dentists and co-owners of a successful dental practice—wanted to upsize to a £675,000 home for their growing family. They planned to put down a 10% deposit, keeping funds aside for renovations and a financial buffer. On the advice of their accountant, they only drew modest salaries and dividends compared to their profit —around £50,000 each.
Another adviser told them they could borrow no more than £500,000, based solely on that income. They waited over two weeks for an Agreement in Principle that never arrived. The lender then requested additional documents from HMRC, which could have taken several more weeks. Meanwhile, the property they loved was slipping away—and they were beginning to think they’d have to draw more dividends, pay more tax, or walk away entirely.
When they came to us, we immediately recognised that their retained profits told a very different story. Rather than relying on salary and dividends, we worked with a lender that considered company profits as income. We gathered the necessary documents and secured an Agreement in Principle within two working days.
We moved swiftly to full application, and the mortgage offer was issued just seven working days after submission—at 90% loan-to-value, just as they’d hoped. They secured the home they wanted, avoided unnecessary tax, and saved weeks of delays and uncertainty.
For Limited Company Directors, the right advice can make all the difference. It could mean the ability to borrow more, access better rates, and move faster—before the opportunity slips away.
Mortgage outcomes depend on individual circumstances and lender criteria. Not all clients will be eligible for the same borrowing levels, rates, or turnaround times.
Case Study: £1m Mortgage Secured with £150k Income and Fluctuating Profits
Limited Company Directors are often left frustrated when mortgage lenders overlook the true strength of their business—simply because their income is structured efficiently on their accountant’s advice.
One of our clients, a doctor and sole shareholder of his Limited Company, was looking to purchase a £1.5 million new-build home. He needed a mortgage of £1 million. His income—made up of a director’s salary and dividends—totalled £150,000. Based on this, several advisers and lenders told him he’d be limited to borrowing around £750,000. That shortfall meant he couldn’t proceed.
While his latest year’s profits were temporarily down due to Covid disruption and business investment, the company had over £2 million in retained profits. Traditional lenders weren’t willing to look beyond the most recent set of figures—and didn’t take time to understand the bigger picture.
We took a more holistic view. By analysing the full accounts and cross-checking the company’s recent turnover through business bank statements, we demonstrated that the business had already returned to pre-Covid performance levels. We presented the case to a lender that was willing to assess company profits instead of just salary and dividends—and was comfortable with the temporary dip in income.
We secured the full £1 million mortgage at a competitive rate. The client was able to buy his dream home without needing to withdraw additional funds or change the way he ran his business.
Specialist advice can make all the difference—especially for Limited Company Directors. With the right knowledge, preparation, and lender relationships, what seems impossible to some becomes achievable.
Mortgage outcomes depend on individual circumstances and lender criteria. Not all clients will be eligible for the same borrowing levels or rates.
If you’re self-employed and unsure what’s possible, we can help. Every situation is different, but with the right advice, there are often more options available than you might expect.
Frequently Asked Questions
Mortgages for Self-Employed
Can I get a mortgage if I’m self-employed?
Yes. we work with lenders who understand self-employed income and how to assess it properly.
How many years of accounts do I need?
Many lenders prefer two years, but some will consider just one depending on your situation.
How is my income assessed?
It varies. Sole traders use net profit, directors use salary + dividends, and contractors may use day rate.
Can contractors get a mortgage based on day rate?
Yes. Some lenders will assess your income using your contract rate rather than accounts.
Do I need a larger deposit?
Not usually. Many self-employed applicants can access mortgages from 5–10% deposit.
What documents will I need?
Typically SA302s, tax overviews, accounts and bank statements. We’ll guide you through it.
Will being self-employed limit my options?
Not with the right advice. We match you with lenders suited to your circumstances.
How do I get started?
Book a free mortgage review and we’ll explain your options clearly.
Ready To Get Started?
No confusing jargon. Just honest mortgage advice from an Easy Street mortgage advisor who specialises in helping self-employed people get the mortgage you need.
Fast. Friendly. Expert. No obligation.
Get Started
Get your free self-employed mortgage review.
By submitting this form, you are agreeing to our privacy policy
Your home or property may be repossessed if you do not keep up the repayments on your mortgage.
Dealing with Lenders from across the UK Market
We give you access to the following lenders and many more
