FCA Regulated · UK Whole of Market Advisers
Self-Employed Mortgages
Expert Advice for Business Owners & Contractors
Getting a mortgage as a self-employed person, freelancer, contractor, or business owner can feel more complicated than it is for someone in traditional employment. Many high street lenders prefer borrowers with a steady PAYE salary, but that doesn’t mean self-employed individuals cannot secure competitive mortgage deals.
Self-Employed mortgages and advice
What Mortgage Options Are Available for the Self-Employed?
At Mather & Murray Financial, we specialise in helping self-employed professionals navigate the mortgage process. Whether you are a sole trader, limited company director, or work on a contract basis, we can help you access lenders who understand self-employment income and offer tailored mortgage solutions.
Many people assume self-employed mortgages are a special product, but in reality, self-employed individuals can access the same mortgages as employed borrowers—the key difference is in how income is assessed.
Residential Mortgages for Self-Employed Individuals
If you are looking to buy a home to live in, lenders will assess your business income rather than a traditional salary. Some lenders specialise in self-employed mortgage applicants and are more flexible in their criteria.
Contractor Mortgages
For contractors and freelancers, lenders may use your day rate or annualised contract value instead of requiring multiple years of accounts. If you work on fixed-term contracts, we can help find lenders who accept contract income.
Buy-to-Let Mortgages for Self-Employed Landlords
If you are investing in rental properties, self-employed individuals can apply for buy-to-let mortgages, though lenders may require a higher deposit and proof of rental income.
Limited Company Director Mortgages
If you run a limited company, lenders will often assess salary plus dividends. Some lenders will also consider retained profits within your company, which can help maximise borrowing potential.
At Mather & Murray Financial, we help clients find the right mortgage product, structure their application correctly, and maximise borrowing potential.
Ready to get started?...
Self-Employed Mortgage Advice
How to Prove Your Income as a Self-Employed Borrower
To apply for a self-employed mortgage, you will need to provide evidence of your income and financial stability. Most lenders require:
1
SA302 Tax Calculations & HMRC Tax Year Overviews
- Your SA302 forms show declared taxable income over the past few years.
- These can be obtained through HMRC online services or from your accountant.
2
Certified Accounts from a Chartered Accountant
- Many lenders prefer accounts prepared by a certified or chartered accountant.
- If profits fluctuate, an accountant can help explain any variations in income.
3
Business Bank Statements
Some lenders ask for 3–6 months of business and personal bank statements to verify cash flow.
4
Contract or Client Agreements (For Contractors & Freelancers)
- If you work on fixed-term contracts, lenders may use your current contract as proof of income.
- Some lenders will annualise your day rate to calculate mortgage affordability.
5
Credit Report
- Checking your credit score with Equifax, Experian, or TransUnion before applying can highlight any issues.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get in touch
Start your free consultation
There's no obligation and no cost to your initial consultation. Simply fill in the form and one of our advisers will be in touch, usually within one working day.
Why Choose Mather & Murray Financial for Mortgage Advice?
Independent Advice
We work for you, not the banks, ensuring unbiased recommendations.
Whole-of-Market Access
We search a wide range of lenders, including specialist mortgage providers.
Expert Guidance
Every client is different, so we tailor our advice to your unique circumstances.
Personalised Solutions
We work for you, not the banks, ensuring unbiased recommendations.
Independent Advice
We manage everything for you, saving you time and hassle.
Frequently Asked Questions About Self-Employed Mortgages
Securing a mortgage when self-employed does not have to be difficult—it just requires the right strategy and lender.
At Mather & Murray Financial, we work with self-employed professionals across the UK to find the best mortgage solutions for their unique financial situations.
