Expert Self-Employed Advice & Best Deals For You
Our easy search will match you with an expert mortgage advisor who’ll provide you with advice and access to excellent self-employed mortgage deals.
Free expert service
Rated 4.9 on Reviews.co.uk
No impact to credit score
Quick quote calculator
What is a self-employed mortgage?
If you are self-employed then getting a mortgage can sometimes be problematic. While there is no such thing as a ‘self-employed’ mortgage per se, it will just be a standard mortgage, but the difficulty comes in being able to provide adequate assurance or evidence to lenders that you can afford the mortgage.
Getting a mortgage as a self-employed person can seem like hard work, and might take a little longer, but with the right advice, we can help you secure a mortgage even if you have been turned down in the past or have limited accounts.
What are my chances of getting a self-employed mortgage?
If you’re looking for a mortgage as a self-employed person then there’s no reason that lenders should automatically turn down your application. Your chances are boosted if you can prove you have a regular income stream that demonstrates to the lender that you could afford the mortgage.
It helps if you can put up a decent sized deposit and that you have a good credit score or credit report to show your reliability. In order to get the best rates for a self-employed mortgage, ideally you should have at least three years of accounts to prove your income.
The more information you can provide to the lenders to reassure them that the risk to them lending to you is minimal, the better choice of mortgage deals you will have to choose from. We can put you in touch with an advisor to ensure that you have everything in order to satisfy the majority of lenders.

Self-employed mortgage brokers we typically work with...
We have a set list of providers we trust to provide you with good impartial advice and access to the best mortgage deals for those who are self-employed.






Self-employed mortgage deals
An estimated 15% of all workers make up the self employed workforce. Whilst many lenders like customers do have the security of employment, that does not mean there aren’t lenders willing to assist the self employed.
You may be looking for a lender who can consider you with just one years accounts. Or your business might have grown significantly over the last year and you want a lender who will take your most recent years figures. You might also work as a contractor, or want a lender to consider the retained profit you hold in your business.
By speaking to one of our specialist brokers, they can review your circumstances and find the most suitable lender for you.
What are my self-employed mortgage options?
Your self-employed mortgage options will be better the more information you are able to provide in support of your application. Self employed people with at least 3 years self-employed accounts should have access to most lenders, but your options can get narrower the less number of years of accounts you have.
Every lender has their own criteria for working out your income and judging whether you are eligible for a self-employed mortgage. Lenders may require additional information, to support your application, and by engaging with one of the mortgage advisors we introduce you to, you can ensure you have everything in order to secure the best possible rate for your mortgage.

What sort of self-employed mortgage deal am I likely to get?
The mortgage advisors we refer you to have helped thousands of self-employed people successfully secure a mortgage. Aside from your own business accounts, your credit history will also be taken into account and will impact on the deals you could be offered.If you only have a year’s worth of account then you will probably be relying on a good credit history to secure a mortgage.
The longer your business has been trading, the better. The maximum loan to value generally reduces depending on the number of years of self-employed accounts available, so that if you have 2 years accounts your loan to value will be 95%; for 1 year’s accounts – 85% loan to value; and for less than 1 year’s accounts, 75% loan to value.
While you may have less choice if you have been trading less than 3 years, we are confident that with the help of a mortgage advisor you can find you a good deal, even if you may have been declined in the past. Because of the extensive network of lenders accessible to the brokers we introduce you to, you can often get approval from lenders when you might not have previously been able to.

Why use us?
We believe that everyone deserves the opportunity to own their own property and being self-employed should not prevent this. We put you in touch with a specialist mortgage advisor (you don’t even need to meet face-to-face) and they have access to a huge network of lenders and will help you have the best chance of securing the best self-employment mortgage deals for you without impacting on your credit score.
Fast and free service
We match you for free to mortgage advisors with the best impartial advice and access to top mortgage deals speedily.
Expert tailored advice
We’ve helped thousands so know which brokers can best help people in circumstances like yours.
Save time and money
The advisors we work with are well qualified and know mortgages inside out so can save you both time and money.
Professional service
Our service is reliable so that we always help you find the advice and mortgage to suit your circumstances.
Our approach - and how we do it
Get in touch!
We love helping our clients. Either give us a call or fill in our contact form.

We’ll introduce you for free
We’ll put you in touch with a qualified mortgage broker who will discuss your options and answer your questions.

... and relax!
With the expert advice you’ll be able to find the best mortgage deal for your particular circumstances.
Meet our experts
Aidan Comerford
Director
Michael Buckley
Mortgage & Protection Advisor
Luke Grosse
Mortgage & Protection Advisor
Bhavini Shah
Mortgage & Protection Advisor
Ashley Mellors
Mortgage & Protection Advisor
We’re ready when you are.
We know it’s a big decision, but when you’re ready to find your mortgage, we’ll be there to help you. It’s important that you get the right advice, and that where we come in, as we’ll help introduce you to a broker who specialises in advising and matching customers to the right deals for their circumstances.
We work with experts who know mortgages inside out and are well connected so that they are able to get the best possible deals for you. All this can be done without you even needing to meet face-to-face. All the advisors we refer you to are qualified and experienced and have dealt with every kind of mortgage.
We will introduce you to a broker free of charge and they’ll be able to advise you and get you a decision in principle, or written estimate from the mortgage lender, which will help prove to estate agents and vendors that you’re a serious buyer.
See what others think ...


Steven Brunning
Aidan and Kayleigh were absolutely brilliant. They were very pro-active throughout and gave us confidence that they were identifying the most appropriate products on the market for our needs! We felt very reassured and are grateful for them helping the transaction to run as smoothly as possible.
Anonymous
I couldn’t praise Kayleigh and Luke highly enough.
Zara Akhtar
From the very start Michael, who I initially spoke with, was the extremely helpful and professional. I was struggling to find a lender due to my personal circumstances. Michael was very open and honest with me and actually managed to find a lender who would consider my circumstances. This is something other brokers were unable to do!
I started my mortgage journey thinking I could never get a mortgage, well if I did I would be a long time due to a few mistakes I made back when I was a student. I got speaking to Luke Grosse. After months of searching things couldn’t of gone smoother on his end, he got me a mortgage offer. Easy to talk to, straight forward, explained everything in detail while being patient. Couldn’t recommend this company and Luke in particular any higher as my experience with them was fantastic. Finally completed on my purchase today and now I am a home owner with my fiancé.
This being our first property purchase, we were very unfamiliar with the how things worked. With the support and help by these two fine ladies, we were able to steer in the right direction. We had constant communication throughout the process and communication was key in these purchase too. I definitely speak highly and recommend others the mortgage advisor as they were always willing to help and support us in any way possible.
Let us find your perfect mortgage.
We’ll put you in touch with impartial advice from a qualified advisor to help you get the best mortgage deals available to you.