Self-employed mortgages

Self-employed mortgages

Mortgages for self-employed, contractors and company directors

Talk to the expert

An expert mortgage advisor will assess your situation and provide a personal recommendation.

Get the best deal

We have access to many specialist lenders and exclusive deals. We can find you the best deal on the market.


We work around your schedule to help you get the deal you need. Save time and money on your mortgage.

Mortgages for self-employed

It might be more difficult to arrange a mortgage if you are self-employed or contracting than it is when you are employed. The lenders will want to see that you have a steady income and are a reliable borrower and might require different documents.

What counts as self-employed?

To be classified as self-employed, you would be sole trader, contractor, CIS contractor or director of a limited company if you own more than 25% of shares. A company director who gets paid only through the payroll but owns more than 25% of shares of the company is also classified as self-employed. Zero-hour contract employees and contractors working under an umbrella company will be classed as employed.

How can we help you?

We offer specialist advice to self-employed and contractors, helping you to get the right mortgage with the right lender. We have access to over 90 mainstream and specialist lenders that accept self-employment applicants. We have experience with securing mortgages even in the most complicated cases. We can save you time and money with your mortgage.

Find your perfect mortgage

Please fill out the online enquiry form below. We will contact you to talk about your mortgage options. This will not affect your credit rating.

We work with over 90 lenders

From high-street banks to specialist finance providers

Mortgage Repayment Calculator

Calculate monthly repayments on your mortgage for both repayment and interest-only mortgages.

Mortgage Affordability Calculator

Calculate how much you could borrow based on your annual income.

What to do to get a self-employed mortgage?

As a self-employed, you can access the same mortgages as employed and will have to pass the same affordability checks as everyone else. The only difference is that your income will be based on your self-assessment or daily rate and a most likely average of the last 3 years taken into account.

Glade Financial IconGlade Financial

43 Prince John Road, London

5.0 6 reviews

  • Avatar Mariangela Marchetti ★★★★★ a year ago
    Gosia was very efficient and professional throughout the process. She clearly explained the options available and was very responsive to any request of information. She managed to get me an offer in just three days, which is amazing and … More above any optimistic expectation! I would definitely recommend her to anyone who needs to get the job done quickly and professionally!
  • Avatar Samuel Tee ★★★★★ 2 months ago
    Highly recommend Gosia – I am a first time buyer and she was very diligent in every stage of the process!
  • Avatar Francesca Santini ★★★★★ a year ago
    We are fully satisfied by the professional service provided. Excellent source of information, advice and guidance. We attended regular appointments, we have been provided with updates and they were able to find us all the best deals available. … More
    Excellent costumer service and our advisor has been answering all our queries promptly.
    Thank you for all your hard work and the help you provided us.

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