Mortgages for the Self-Employed — Without the Headache
Being your own boss shouldn't stop you getting an exceptional mortgage deal. We specialise in helping sole traders, limited company directors, freelancers and contractors across Harrow and London get approved.
Get Free Expert AdviceThe Self-Employed Mortgage Challenge — and How We Solve It
High street lenders often struggle with self-employed income. They rely on standardised income checks designed for employees — which means they frequently underestimate what you actually earn, or decline applications that a specialist lender would approve without hesitation.
We work with a carefully selected panel of lenders, including specialist underwriters, who understand self-employed income structures. We know which lenders will accept one year of accounts, which will consider salary plus dividends for limited company directors, and which will look at your gross profit rather than your declared income.
Who We Help
- Sole traders and partnerships with 1–3+ years of accounts
- Limited company directors — salary plus dividends or net profit
- Freelancers and consultants with variable monthly income
- IT and creative contractors (see also our IT Contractors page)
- Newly self-employed — some lenders consider under 1 year
- Mixed income — part employed, part self-employed
Busting Common Myths
Myth: "I need 3 years of accounts." Many lenders accept 1–2 years. Some specialist lenders will consider even less in the right circumstances.
Myth: "My income is too low because of tax planning." Some lenders look at salary plus dividends or your share of net profit — not just your declared income. This can make a significant difference to your maximum borrowing.
Myth: "I'll pay a higher interest rate." Rates are determined by loan-to-value and credit profile — not employment status. You can access the same competitive rates as employed applicants.