Black and white photo of modern brick townhouses with pitched roofs, small front gardens, and parking spaces in front. Some windows have white trim, and the sky above is partly cloudy.
Black and white photo of modern brick townhouses with pitched roofs, small front gardens, and parking spaces in front. Some windows have white trim, and the sky above is partly cloudy.

SELF-EMPLOYED & CONTRACTORS

Mortgages for Self-Employed, Contractors & Business Owners

Getting a mortgage when self-employed can be complex - but we specialise in it.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

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WHO WE HELP

We help a range of different people

Empowering individuals with non‑traditional income to secure the right mortgage with confidence.

  • We help contractors secure mortgages using accurate day‑rate assessments, ensuring your income is represented fairly to lenders.

  • We work with company directors to present accounts, dividends, and retained profits clearly, making your application stronger and easier for lenders to assess.

  • We support freelancers with flexible income structures, helping you access lenders who understand irregular earnings and project‑based work.

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LENDERS

We work with lenders who consider complex income structures

Helping you maximise your borrowing potential through flexible criteria and fair assessments. You also gain access to specialist lenders who understand unique circumstances and offer options beyond the high‑street.

  • We work with lenders who consider net profit or retained profit, meaning your full business performance is taken into account rather than just salary or dividends.

  • We work with lenders who consider day‑rate contracts, using contractor‑friendly calculations that reflect your real earning potential.

  • We work with lenders who consider short trading history, offering options for newer businesses or recently self‑employed applicants who haven’t built up years of accounts yet.

Learn more
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SUPPORT

End-to-End Mortgage Support

We manage the entire process for you, including:

  • We handle all communication with lenders to keep your application moving smoothly and efficiently.

  • We stay in close contact with solicitors and estate agents to ensure every part of the process stays aligned and on track.

  • We prepare, submit, and actively manage your application, resolving queries and guiding it through to completion.

Start your application