Getting a Mortgage When Self-Employed

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Find out how to get a mortgage when you're self employed or a contractor and compare the right mortgage deals for you.

If you're self-employed, a freelancer or contractor, you can still get a mortgage - but you will need to meet the lender's criteria. In fact, you'll still be eligible for the majority of the same mortgage deals as someone who is employed. In reality, you don't need a specialist self-employed mortgage advisor , although choosing the right deal may be more confusing and you might need to provide more information to your lender to prove you can afford your deal. That's how we can help you.

From our first conversation with you, whether that be a phone call or face to face meeting, we'll ask you questions about your current financial situation and future needs. Then we'll organise a follow-up discussion where we can go through your options and talk about your requirements in more detail.

Our mortgage brokers can then help you secure a DIP (Decision in Principle), which is essentially a promise from a lender that they'll loan you the money for your chosen property. Once we've done this, we'll proceed with arranging your mortgage up until completion.

Remortgaging Broker Northampton

How Can I Prove My Income as a Contractor or Self-employed Professional?


To prove your income as a contractor, you'll need to provide your lender with:

  • Up to 12 months' contract and employment history
  • Evidence of a current or imminent contract

Self Employed and Business Owners

To prove your income as a self employed professional or business owner, you'll need to provide your lender with:

  • Evidence of at least one year’s trading
  • At least one year’s accounts that have been submitted to HMRC

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