self employed mortgage

Looking For A Self Employed Mortgage?

  • One year's accounts considered
  • Contractors, CIS & limited companies welcome
  • Compare deals from 50+ UK lenders
BOOK MY FREE 30 MINUTE CONSULTATION
Play
first time buyer mortgage
  • Free quote
  • Rated as excellent
  • Chat today

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

Why choose us

Self Employed? We know the challenges.

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

Save Time

We compare mortgage deals from lenders that understand self-employed income and manage the application on your behalf.

Save Money

We compare 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 mortgage offer, handling the paperwork and lender communication for you.

Rated Excellent By Our Clients

first-time-buyers-mortgage

Why ghldirect?

Getting a mortgage when you're self-employed can feel complicated. Our specialist advisers understand how lenders assess self-employed income and help make the process simple from start to finish.

  • One year's accounts? We may still be able to help
  • Specialist self-employed mortgage brokers
  • Access to 50+ UK lenders and 1,000s of mortgages
  • We handle the paperwork and lender communication
  • Sole traders, contractors and company directors
  • Dedicated adviser from enquiry to mortgage offer
BOOK YOUR FREE CALL
first-time-buyers-mortgage - ghl

Self employed mortgage solutions:

We help a wide range of self-employed applicants secure mortgages, including those with complex income structures.

  • Sole traders
  • Limited company directors
  • Contractors and freelancers
  • CIS workers
  • Multiple income streams
  • Recently self-employed applicants
BOOK YOUR FREE CALL
we have answers

Self employed mortgage FAQs

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