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Sole traders
Guidance using accounts, tax calculations and business income history.
Self-employed mortgage advice
Self-employed mortgage advice made clear and simple.
Whether you’re a sole trader, limited company director, contractor or freelancer, we’ll help you understand your mortgage options and present your income clearly to lenders.
How we help
Mortgages for self-employed applicants.
Being self-employed does not mean getting a mortgage has to be complicated. The key is knowing how lenders may assess your income and what documents they may need.
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Limited company directors
Help explaining salary, dividends, retained profits and company structure.
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Contractors
Support for day-rate, fixed-term and contract-based income applications.
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Freelancers
Advice for flexible, varied or project-based income patterns.
The process
Our self-employed mortgage process.
Clear advice to help you prepare your income evidence, understand your options and apply with confidence.
1
Understand your income
We review how you earn, how long you’ve traded and what evidence is available.
2
Check documentation
We help identify what lenders may ask for before you apply.
3
Compare suitable options
We look for mortgage routes that fit your income structure and circumstances.
4
Apply with confidence
We support you with the application, paperwork and lender queries.
Documents
Documents you may need.
Self-employed mortgage applications often depend on presenting the right documents clearly. Requirements vary by lender.
✓ SA302s or tax calculations
✓ Tax year overviews
✓ Business accounts
✓ Bank statements
✓ Proof of deposit
✓ Contract details if applicable
Common challenges
Where specialist advice can help.
Variable income
Income changes year to year and needs explaining properly.
Recently self-employed
You may have limited trading history but still want to explore options.
Low salary, dividends
Company directors may draw income in different ways.
Complex accounts
Business profits, retained earnings or multiple income streams.
Ready to explore your mortgage options?
Speak with Mortgage Adviser UK and get clear guidance for your self-employed mortgage application.
Book Appointment →