Self-Employed Mortgages
Finding a mortgage when you work for yourself doesn’t have to be difficult. We have advisors who specialise in self-employed cases and can help you secure the right deal.
Self-Employed Mortgage Advice
Being self-employed can make the mortgage process feel tougher, but lenders are more open than you might think. The challenge is proving your income in a way they’re comfortable with.
We understand the difficulties of getting approved, whether you’re a first-time buyer or a home-mover. Some banks will only lend if you’ve got two or three years of accounts, while others will consider just one.
That’s where we come in. At Online Mortgage Advisor, you’ll work with a specialist who understands how self-employed income works – whether you’re self-employed, a contractor, in a partnership (LLP), or run a limited company. They know which lenders to approach, what documents you’ll need, and how to present your application in the best light. Don’t worry if you have bad credit; we can help.
Our advisors can also help you with government schemes for first-time buyers, such as shared ownership. To get started, choose one of our guides or consider seeing how much you could borrow with our self-employed mortgage calculator.
“Being self-employed doesn’t mean your mortgage options are limited. The key is knowing which lenders are comfortable with your income, and that’s where we can guide you.”
Check your affordability
See how much you could borrow as a self-employed applicant with our affordability calculator.
Read our guides
Browse our guides to understand how lenders assess income, what documents you’ll need, and which options may suit your situation.
Compare self-employed mortgages
Use our comparison tool to see which lenders are currently offering products suitable for self-employed borrowers.
Speak to an expert
Get matched with an advisor who understands self-employed mortgages and knows which lenders are most likely to accept your application.
Our advisors know which lenders are flexible with self-employed income and can help you secure the right deal. Enquire today.
Our Guides
Expert mortgage guidance tailored for self-employed individuals.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
It can be more challenging to get a mortgage if you’re self-employed because lenders often require more evidence of your income to ensure you can meet your monthly repayments.
Typically, lenders will ask for at least two to three years of accounts or tax returns, as well as proof of consistent earnings. Having a good credit score and a larger deposit can improve your chances.
The amount a self-employed person can borrow depends on the lender and their assessment of your income.
Most lenders will typically allow you to borrow up to 4.5 times your annual income, but this can vary depending on your financial circumstances, credit history, and the strength of your business’s financial performance.
Providing detailed accounts and demonstrating consistent earnings can increase the amount you’re eligible to borrow.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening. We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide.
We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
More Self-Employed Guides
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.