Mortgages For The
Self-Employed

Whether your clients are self-employed, contractors or freelancers; croupiers, builders, start-up entrepreneurs or dentists, our range of mortgages are designed to work for them.

Place your case

15% of the UK workforce is self-employed*. Many might not apply for a mortgage for fear of rejection. Our mission is to change that.

*ONS Trends in self-employment in the UK – Feb 2018

The detail

We’ll work off your client’s latest years accounts

We only require 1 year's trading history up to 85% LTV

Contractor income is calculated on current weekly contract x48 weeks

Sole traders and partnerships: Latest year’s net profit (or share of) accepted
Limited Company directors: Share of latest year’s net profit after tax or salary and dividends accepted
No restriction on professions
Same rates as for employed clients
Debt Management Plans considered