Self employed & looking for a mortgage?

Whether you're a sole trader, company director or newly self-employed, find mortgage lenders who understand how you're paid. We'll handle the hard work, from application to completion.

SPEAK TO A MORTGAGE EXPERT
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You run your business. We get the mortgage.

Speak to a mortgage expert who understands self-employed income, from application to completion.

Choose a convenient day and time for your mortgage call. Tell us a little about your business, income and what you're looking to achieve.
Speak to a mortgage expert who understands self-employed income, including salary, dividends, retained profits and limited trading history.
We'll compare mortgage options from 50+ UK lenders and identify those suited to you and the way you're paid.
Once you're happy, your mortgage adviser handles the application and paperwork through to completion.

We'll stay with you throughout the mortgage process, from the first call right through to completion.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Why choose us

Self-employed? We understand the challenges.

  • Mortgages with one year's trading considered
  • Limited company directors welcome
  • Contractors and CIS income accepted
  • Dedicated adviser from enquiry to completion

Save time

Skip the research and paperwork. We compare lenders that understand self-employed income and manage the mortgage application on your behalf.

Find the right lender

Access 1,000s of mortgage deals, including lenders that consider contractors, sole traders and limited company directors.

Get expert support

You'll have one point of contact from enquiry to completion, handling the paperwork and lender communication for you.

Ready Templates

Self-employed mortgage? We'll make it simpler.

From understanding your income to finding the right lender, your adviser handles the paperwork and supports you through to completion.

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Why ghldirect?

Self-employed income isn't always straightforward. Our advisers understand how different lenders assess your earnings and help you find mortgage options that suit your circumstances.

  • One year's accounts? We may still be able to help
  • Access to 50+ UK lenders and 1,000s of mortgages
  • We handle the paperwork and lender communication
  • Dedicated adviser from enquiry to completion
  • Appointments available 7 days a week
SPEAK TO A MORTGAGE EXPERT
mortgage broker

Self employed mortgage solutions

From sole traders and company directors to contractors and newly self-employed applicants, we help you find mortgage lenders who understand how you earn.

  • Recently self-employed applicants
  • Limited company directors
  • Sole traders
  • Contractors and freelancers
  • CIS workers
  • Multiple income streams
SPEAK TO A MORTGAGE EXPERT
FAQs

Self employed mortgage

Yes. Many lenders offer mortgages to self-employed applicants, including sole traders, limited company directors, contractors and freelancers. The key requirement is being able to demonstrate a stable income and affordability.

Most lenders prefer at least two years of accounts or tax returns, but some lenders will consider applications with just one year of trading history. The options available will depend on your circumstances and income profile.

Yes, it may be possible. Some lenders will consider applicants who have been self-employed for just one year, particularly if they have previous experience in the same industry and can show a strong income history.

This depends on how your business is structured. Sole traders are typically assessed using net profit, while limited company directors may be assessed on salary and dividends. Some lenders can also consider retained profits within the business.
Absolutely. Many lenders offer mortgages specifically for limited company directors. Depending on the lender, they may assess your salary and dividends or use your share of company profits when calculating affordability.
Not necessarily. While self-employed applications can require more documentation than employed applications, there are many lenders that specialise in self-employed borrowers. Working with a specialist mortgage broker can help you find lenders that suit your circumstances.

Ready to get a self-employed mortgage?

Whether you're a sole trader, contractor or limited company director, our specialist advisers can help you compare lenders, understand your options and secure the right mortgage for your circumstances.

SPEAK TO AN ADVISER