We’ll consider you self-employed when applying for a mortgage if you own more than a 25% share of a limited company, or if you’re a sole trader and submit your own tax returns.

As a self-employed mortgage lender, we’ll consider your share of the company profit before tax, as well as your salary. In the case of sole traders, your declared profit on your SA302 and tax overviews. Of course, this does require you to prove your income via a suitably qualified accountant but if you don’t have an accountant we can consider your application if SA302’s and tax overviews can be provided – this is subject to qualifying criteria and your level of income.

To get an idea of which mortgages you could be eligible for, use our online mortgage finder. If you’re unsure where to start or have a specific challenge that you’d like to discuss, please get in touch with us on 0800 781 4311 or make an appointment at your nearest branch. You can also apply for a Decision in Principle (DiP) by booking an appointment with our advisors. 

If you’re unsure where to start or have a specific challenge that you’d like to discuss, please get in touch with us on 0800 781 4311 or make an appointment at your nearest branch.

Yes, you can still get a joint mortgage if one applicant is self-employed. A joint mortgage just means that everyone named on the mortgage is responsible for the monthly repayments. 

Each borrower’s income and outgoings will be taken into account when calculating your affordability. However, the self-employed borrower will still need to provide the extra paperwork required to prove their income.