Self employed & sole trader mortgages made simple

Don’t let your self-employed status stop you from getting the right mortgage. Let our experts help you save time and money on your mortgage.

financial advisor

Self employed mortgage

When you're self-employed, it can be hard to get access to the best mortgage rates, due to the fact that banks may perceive you as higher risk. Many lenders have restrictions on who they will lend to, so it can be hard to know where to start.

Without access to quality mortgage advice tailored for your situation, you could end up with a deal that doesn’t suit your needs or worse, you might not be able to purchase a property at all.

Take the stress out of getting a home with expert mortgage advice for freelancers, contractors, and business owners. Our fully qualified mortgage advisors are here to listen to your personal circumstances and help you find the right mortgage for you.

Mortgage advice you can trust

  • Rated as excellent 4.98/5
  • 100% of reviewers recommend us
Book your callback

Mortgage advice in 3 easy steps

Book a fee free call

It takes just 30 seconds to schedule a meeting with an expert mortgage broker who specialises in self-employed mortgages.

We'll call you back

We can help you determine how much you can borrow as a contractor and how much mortgage you can afford.

And guide you through

From application to completion a friendly and experienced mortgage advisor will guide you through the entire process.

mortgage advisor
mortgage advisor

Mortgage advice for self employed

When you are self-employed, you shouldn't worry about buying a home, moving, buying to let or remortgaging your existing home. Our experience allows us to know which lenders will accept a mortgage application from a self-employed applicant. There are plenty of mortgages available for self-employed people - you just need to know where to look. The good news is that we do.

When you’re self-employed, your time is valuable, so we make it easy to get started. With our flexible scheduling, you can get a quote over the phone, online, or face-to-face whenever it is convenient for you. Get a fee-free consultation today if you need contractor mortgage advice.

Why choose our mortgage advice

  • Get exclusive deals with lenders, not otherwise available.
  • Your application will be processed faster with our help
  • We’ll ensure you qualify for the mortgage loan and can afford it
  • Our mortgage brokers know the lenders likely to approve your mortgage

What our clients think about us

Here's what we offer

If you're a self-employed person looking for a mortgage, you probably searched for contractor mortgages or self-employed mortgages. GHL Direct may be a good place to find them. We'll help you select the right mortgage, explain all your options, and handle the application process.
Self employed mortgage advice for you

Mortgage advice, 8am - 8pm


Fee free, no obligation consultation


Your own dedicated mortgage broker


Assistance with the mortgage application


New mortgage tracker portal


Advice on insurance products

Book a fee free callback
  • When can I get a quote?

    Whenever and wherever works for you is the honest answer. It’s completely stress-free, with no phone queues, travel costs, or weeks of waiting. You can schedule a no-obligation callback any day of the week from 8am to 8pm using our live booking app.

  • Do I need to visit a branch?

    Flexible advice is what we do. GHL Direct offer telephone-based advice as well as zoom, Microsoft teams, WhatsApp video and in home appointments anywhere in England and Wales.

  • How long is the meeting?

    You can expect your initial first time buyer call to take up to 30 minutes, though the complexity of your situation will determine how long it will last. At this point it’s simply getting to know you and seeing what we can do for you. To be on the safe side, we allocate 60 minutes which gives us time to focus solely on you and your mortgage requirements.

  • What am I going to need?

    You can take advantage of your time with your financial advisor if you have your questions ready, as well as financial documents (such as savings or bank statements). For first time buyer mortgages, if you’ve already found a home, it will be helpful to have information on the deposit and value.

  • What does it cost me?

    We always offer free and no-obligation initial meetings with our financial advisors to discuss your needs.

    Some mortgage brokers charge nothing, others charge a flat fee between £195 and £499, while others take commission from the lender. As FCA regulated mortgage advisors we must explain all of this to you at the beginning of your meeting.

  • Why use a mortgage advisor

    A mortgage advisor can be a valuable resource when purchasing your first home. Taking professional advice can make the difference between a successful mortgage application and being declined. We know the lenders that may accept your mortgage application so it saves time, money and hassle.

    It may also lead to a much better value deal as we have access to over 50 of the top mortgage lenders in the UK and thousands of products. This may save you thousands of pounds over the mortgage term. We can even source exclusive products that your bank or building society may not offer.

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