Self-Employed Mortgages
Sole trader, contractor or director? Lenders who actually read your accounts.
Why self-employed?
You can get a mortgage when you're self-employed. Lenders just need proof of your income, so they read your accounts, SA302s (HMRC's summary of the income and tax you declared for a given year), or a certificate from your accountant rather than payslips.
The paperwork differs by trading style. A sole trader, a limited company director and a contractor each evidence income in their own way. Some lenders work from your net profit, others from your salary plus dividends, so a broker can point you to the ones that fit your set-up.
At Clearview Mortgage Solutions, our advisers specialise in self-employed applications. We’ll help you pull together the right evidence and match you with lenders who read your kind of income correctly.
Key facts
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our self-employed calculator.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Self-Employed mortgages
A guide to self-employed mortgages
How lenders assess sole traders, directors and contractors, and why the lender you pick can change the outcome so much.
ReadDocumentation for self-employed mortgages
SA302s, company accounts and bank statements: the paperwork a self-employed borrower needs to have ready.
ReadLimited company director mortgages
Salary plus dividends against salary plus net profit, and how the method sets your borrowing power.
ReadContractor mortgages
Day-rate annualisation, contract-length rules, and the lenders that read contractor income properly.
Read
Frequently asked.
Most lenders want at least two years of accounts or SA302 tax calculations. Some specialist lenders will look at just one year, though, especially where you have a strong trading history or a reference from a qualified accountant.
Talk to a specialist.
self-employed mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.