Self-Employed Mortgage Solutions Made Simple
At Mortgage-Tek, we specialise in helping self-employed professionals secure the right mortgage. Whether you’re a sole trader, limited company director, or freelancer, we understand the challenges you face when proving income. Our expert team works with lenders who value your hard work and unique financial profile, making the process smooth and stress-free.
We work with more than 120 mortgage lenders, including
The Challenge of Getting a Mortgage When You’re Self-Employed
For many self-employed professionals, securing a mortgage can feel like an uphill task. Traditional lenders often rely on payslips and standard income proofs, which don’t reflect how business owners, freelancers, and contractors actually earn. This leads to frustration, delays, and missed opportunities.
At Mortgage-Tek, we know the difficulties you face — from proving your income to finding lenders who understand your financial setup. That’s why we make the process easier, giving you access to the right mortgage options without the unnecessary obstacles.
Tailored Mortgage Solutions for the Self-Employed
We specialise in finding mortgages that fit your unique circumstances. Whether you’re a sole trader, limited company director, contractor, or freelancer, we provide access to lenders who recognise your income and understand the way you work.
Our services include:
- First-Time Buyer Mortgages – Helping self-employed buyers step onto the property ladder with confidence.
- Remortgages – Secure better rates or release equity, even when your income comes from multiple sources.
- Buy-to-Let Mortgages – Build your investment portfolio with tailored options designed for landlords who are self-employed.
- Specialist Mortgages – For complex cases, including fluctuating incomes and limited trading history.
Whatever your goal, our team ensures you’re matched with the right mortgage, saving you time and unnecessary stress.
Why Choose Mortgage-Tek for Self-Employed Mortgages
Securing a mortgage when you’re self-employed can feel more challenging, but with Mortgage-Tek, you’re never on your own. We combine market expertise with a clear understanding of self-employed income structures, ensuring you have access to lenders who value your work and earnings fairly.
What sets us apart:
- Specialist Knowledge – Years of experience helping sole traders, contractors, and directors secure the right mortgage.
- Direct Access to Lenders – We work with lenders who welcome self-employed applications and assess your true affordability.
- Tailored Guidance – Every case is reviewed individually, giving you solutions that fit your circumstances rather than generic advice.
- Simplified Process – We handle the paperwork, lender negotiations, and approvals, so you can focus on your business.
With us, you get more than a mortgage. You get a partner committed to making the process clear, fair, and achievable.
How Much Can I Borrow Calculator
Your Estimated Borrowing Amount
Why Choose Mortgage-Tek Mortgage Services
Get your right and on-point advice by our OMA-approved brokers. Working with Mortgage-Tek is simple and straightforward, here are the benefits we offer to our worthy clients.
Specialist Expertise
Years of experience helping IT contractors navigate complex mortgage applications.
Direct Lender Access
Partnerships with lenders who understand contract-based IT income.
Tailored Solutions
Applications structured around your full earnings, including contracts and bonuses.
Transparent Process
Honest, jargon-free advice at every stage, ensuring clarity and confidence throughout your journey.
Ongoing Support
Continuous assistance to manage your mortgage, remortgage smoothly, and grow your property
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
Frequently Asked Question
Can I get a mortgage if I have been self-employed for less than two years?
Most lenders prefer two years of accounts or SA302s, but options exist if you have at least 12 months of trading and a strong financial profile. At Mortgage-Tek, we can connect you with specialist lenders who understand newer businesses and consider future earning potential.
How do lenders assess my income as a self-employed applicant?
Lenders typically review your net profits, salary plus dividends, or share of business profits depending on your setup. Some take the latest year’s income, others average two or three years. We’ll match you with lenders who assess your income in the most favourable way for your situation.
Will using an accountant’s reference improve my chances of approval?
Yes. A professional accountant’s reference often strengthens your application, as it validates your income figures. Some lenders even require it. We liaise directly with your accountant to ensure everything is presented clearly and meets lender expectations.
Can I get a mortgage if I only use retained profits in my company?
Many high-street lenders overlook retained profits, which can limit borrowing potential for directors. However, some specialist lenders consider retained profits as part of your affordability. We’ll guide you towards those lenders to ensure your borrowing reflects the true strength of your business.
Do I need a bigger deposit if I am self-employed?
Not always. While lenders may see self-employed income as less predictable, many will accept deposits from 5–10%, depending on your credit profile. A larger deposit can open more options and competitive rates, but it’s not always essential.
What documents will I need to apply?
You’ll usually need SA302s, tax calculations, business accounts, bank statements, and proof of ID. The exact requirements vary by lender. At Mortgage-Tek, we prepare your application carefully so that nothing slows the process down.
Will my credit history affect my application more if I’m self-employed?
Your credit history is important for all applicants, but lenders may be more cautious with self-employed borrowers. Even if you have minor credit issues, there are still specialist lenders who may approve your application.
Expert Mortgage Solutions for the Self-Employed
At Mortgage-Tek, we understand the challenges self-employed professionals face when securing a mortgage. Our team provides clear guidance and access to specialist lenders, making the process straightforward and stress-free.