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Self-Employed
Specialist Mortgage Advice For the Self-Employed
Sole trader, company director or newly self-employed? We help you find lenders who understand how you earn, even with one year of accounts.
Self-Employed
Your Business Income Deserves Specialist Mortgage Advice
Understand how lenders may assess your self-employed income, even with one year of accounts.
01
Trading History
Many lenders ask for at least 2 years of trading and finalised figures, but some specialist lenders will consider you with 12 months' trading.
02
How Income Is Calculated
Some lenders average your last 2 years where your income has increased, or use your latest year where it has fallen.
03
SA302s & Tax Year Overviews
These HMRC documents are commonly used as evidence of income. You can print them 72 hours after sending your Self Assessment tax return.
04
Your Business Structure
Sole traders are usually assessed on net profit, while limited company directors are often assessed on salary plus dividends.
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Before You Apply
Our calculators give you instant, accurate figures so you walk into every mortgage conversation fully prepared.
Full CalculatorQuick Mortgage Calculator
£250,000
4.5%
25 years
Estimated monthly repayment
£1,390
Representative example — actual rates may vary
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FAQ
Common Questions
Everything you need to know about mortgages when you're self-employed
Can I get a mortgage with only one year of accounts?
Yes, it's possible. Many lenders ask for 2 years of trading and finalised figures, but some specialist lenders will consider applicants with 12 months' trading. You'll have fewer lenders to choose from, so specialist advice can help you find one whose criteria fit.
What documents will I need?
Lenders commonly ask for your SA302 tax calculations and tax year overviews, your business accounts, 3 to 6 months of personal and business bank statements, proof of ID and address, and proof of where your deposit is coming from. Exact requirements depend on the lender.
How do I get my SA302 and tax year overview?
You can get them through your HMRC online account or your commercial tax software once you've sent your Self Assessment tax return. They're available for the last 4 years, but you can't print them until 72 hours after you've sent your return.
How do lenders calculate self-employed income?
It depends on how your business is set up and on the lender. Sole traders are usually assessed on net profit, while limited company directors are often assessed on salary plus dividends, and sometimes retained profit. Some lenders average your last 2 years, while others use your latest year.
Am I self-employed if I'm a company director?
Often, yes. Lenders set their own definitions. For example, some treat you as self-employed if you own 25% or more of the company's shares.
What does the self-employed mortgage process involve?
It usually starts with a consultation about your income and plans, then gathering your documents. Your broker checks affordability and matches you with suitable lenders, then prepares and submits your application. The lender reviews it and may ask for more information about your business income before issuing a mortgage offer.