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Best Mortgages for Self Employed

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By Pete Mugleston   Mortgage Advisor

Last updated: 13th June 2018 *

The best self employed mortgage rates can be seen in the tables below, covering a range of lenders that offer mortgages to self employed applicants specifically. Some of these require different info in order to prove income and affordability, so eligibility may vary. In order to find out the best mortgage deals to suit you, feel free to complete an enquiry and one a self-employed specialist will be in touch.

Self employed applicants love the advisors we work with because:

  • They are whole of market | with access to direct and broker exclusive self-employed products.
  • They are independent | giving you the best advice for you, not what's best for them.
  • They are experienced | all of the advisers are highly trained, fully qualified, with a wealth of experience in arranging self employed mortgages.

This means you get access to every self employed mortgage deal in the UK, so if you are looking for the best mortgage brokers for self employed mortgages, or the best direct to lender mortgage, you're in the right place.

How to get the best self employed mortgages

You may have had trouble finding the best mortgage companies for self employed mortgages, and found getting a mortgage approved difficult. Thankfully, where certain lenders find fault and decline seemingly for no reason, others are happy to lend – every lender has different opinion and criteria.

Firstly, establish how long you have been trading – if 3 years or more then you pretty much have access to the entire market. If you only have 2 or 1 years accounts then it will limit your options to a few lenders.

The main sticking points for most of our self employed mortgage hunters is credit history and number of years accounts, and often these go hand in hand. If you have a poor credit history, then depending on which problems you’ve had, only certain lenders will consider you – and these may then require a longer trading history.

If you only have 1 years accounts for example then you’ll need to be clean credit with 10% deposit, or with 15% you can potentially find a mortgage so long as you’ve not had any defaults, CCJs, IVAs, mortgages arrears or bankruptcy in the last 2 years. If you have more severe credit problems then you’ll most likely need a larger deposit (25%+) and 3 years accounts.

This criteria as ever, changes all the time so finding the best mortgage company for self employed borrowers is not always straightforward if you're doing it on your own. The rates table above often won't take into account these more specific details.We strongly advise that you get in touch and one of the experts with the latest and most up to date criteria who can provide you with a comprehensive mortgage quote.

If you are looking for the best self employed mortgage then get in touch here and an expert adviser will be in touch ASAP. If you require immediate assistance please give us a call.

Updated: 13th June 2018
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information.

The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA.

Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.


Find out more about how we help the self employed get mortgages.

Self Employed Mortgages