self employed mortgage

Get A Self Employed Mortgage With Expert Advice

Sole trader, limited company director or contractor? We compare 1,000s of mortgage deals from 50+ UK lenders and help self-employed applicants secure the right mortgage.

SPEAK TO A MORTGAGE BROKER
Play
first-time-buyer-mortgages -ghl
  • 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 Mortgage Advice Made Simple

  • Specialists in self-employed mortgages
  • Access 1,000s of mortgage deals from 50+ UK lenders
  • Help for sole traders, contractors and limited company directors
  • Fast appointments available 7 days a week

Save Time

Skip the research and paperwork. We compare mortgage deals, prepare your application, and manage the process from start to finish.

Save Money

Access competitive mortgage rates and deals from across the market — helping you avoid overpaying over the life of your mortgage.

Get Expert Support

Our specialist self employed mortgage advisers guide you through every step — from application to getting your mortgage approved.

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 make the process simple by comparing lenders, handling the paperwork and guiding you every step of the way.

  • Specialist self-employed mortgage brokers
  • Access to 50+ UK lenders and 1,000s of mortgages
  • We handle the paperwork and lender communication
  • Help for sole traders, contractors and company directors
  • Support from enquiry through to mortgage offer
BOOK YOUR FREE CALL
first-time-buyers-mortgage - ghl

Can you get a self employed mortgage?

Many self-employed applicants assume they'll struggle to get approved, but lenders consider a wide range of income types and employment structures.

  • Sole traders
  • Limited company directors
  • Contractors and freelancers
  • CIS workers
  • Applicants with complex self-employed income
  • Self-employed for one year or more
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?

Talk to an expert self-employed mortgage advisor and let us do the hard work. We'll compare lenders, handle the paperwork and guide you from application to mortgage offer.

SPEAK TO AN ADVISER