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Self Employed Mortgages - What You Need To Know

Looking for a self employed mortgage?

We understand that when it comes to looking for self employed mortgages it can be frustrating finding a lender who really understands your situation and the challenges you face being self employed. We can help with self employed mortgages for those who run their own business, contractors, consultants, professional partners and those earning variable pay and regular commission payments. Our expert underwriters have handled numerous self employed mortgages and they apply their common sense to ensure getting a self employed mortgage is as straight forward as possible.

Key features of the self employed mortgage - specialist


For those who are self-employed in a variety of occupations


Aimed at those self employed for less than the standard two years, but for at least 12 months so that one years trading accounts are available


We accept one year's accounts verified by an accepted accountant

Key features of the self employed mortgage - professional


Designed for professionals including doctors, solicitors, dentists, vets and many more


Where there is at least one years set of accounts we can consider loans up to 90% LTV


We welcome applications from those new to a practice as long as the practice has three years of trading history

thatched house

If the applicant has been self employed for less than one year, we can consider applications up to 75% LTV where the Senior Partner or Partnership's Accountant can confirm that the partnership is trading well and is well established and the applicants earnings to date and the applicant's estimated earnings for a full 12 month period

Unusual construction

Applicants with under one year's accounts can apply up to 75% LTV (verified by an accepted accountant)

Key features of the contractors mortgage


Designed for IT contractors or interim appointments


Up to 90% LTV


Can accept under 6 months on your existing contract with 24 months continual contract history

Please note that our mortgage products are generally only available to direct applicants in England and Wales and via intermediaries based in, Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire. Please check the individual product details for the availability.

From time to time we may offer exclusive products through our brokers. Please contact us for further details.

Your home may be repossessed if you do not keep up repayments on your mortgage.