Self-Employed Mortgages
Sole trader, contractor or director? Lenders who actually read your accounts.
Why self-employed?
Getting a mortgage when you're self-employed is possible, but lenders will want to see evidence of your income. They typically look at your accounts, SA302s, or accountant’s certificates rather than payslips.
Sole traders, limited company directors, and contractors may need different documentation. Some lenders use your net profit, others your salary plus dividends; a broker can tell you which lenders suit your set-up.
At Clearview Mortgage Solutions, our advisers specialise in self-employed applications. We’ll help you gather the right evidence and match you with lenders who understand your income type.
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.
Open calculatorRun the numbers.
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 right lender makes a huge difference.
ReadDocumentation for self-employed mortgages
SA302s, company accounts, bank statements, and exactly what paperwork you need to prepare.
ReadLimited company director mortgages
Salary plus dividends vs net profit — how different lenders calculate your income and borrowing power.
ReadContractor mortgages
Day-rate annualisation, contract length requirements, and lenders who understand contractor income.
Read
Frequently asked.
Most lenders want to see at least two years of accounts or SA302 tax calculations. However, some specialist lenders will consider applications with just one year’s accounts, particularly if you have a strong trading history or a qualified accountant’s reference.
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.
No-obligation chat
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.