Mortgages for Self-employed

From kitchen table entrepreneurs to fledgling business owners and established company directors, our mortgages for business owners offer flexible lending criteria so you can work with your client to find the mortgage that’s the best fit not only for their circumstances, but their needs too.

Product Guide Product Finder
3 great reasons
to choose us

Personal Business Development contact

Accept latest SA302 and Tax Year overview

Underwriter decision – not automated score

Suitable for:


New business owners
Longstanding business owners
Entrepreneurs whose business profits have fluctuated
Company Directors who choose to retain profits within their business
Existing business owners who have switched status from sole trader to a Ltd company

Lending Criteria:


1 year trading (2 years trading if over 85% LTV)

Based on most recent year's trading

Share of net business profits plus salary considered
Accessibility Cookie Policy Modern Slavery Statement.

Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.