Home Me Mortgages
Self-Employed

Self-Employed
Mortgage Solutions

Secure your self-employed mortgage with confidence. At Home Me Mortgages, we understand the unique challenges of self-employed income assessment and work with specialist lenders who recognize the value of your business success.

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Why Choose Us?

Specialist Self-Employed Mortgage Expertise

Self-employed mortgages require a different approach compared to employed income applications. Lenders need to understand your business, assess variable income patterns, and evaluate your ability to maintain payments despite income fluctuations.

At Home Me Mortgages, we specialize in presenting self-employed applications in the best possible light. Our expert advisors understand complex income structures including sole traders, partnerships, limited companies, and contractor arrangements.

Whether you're taking dividends to minimize tax, have seasonal income variations, or are a contractor between assignments, we know which lenders will work with your circumstances. We'll guide you through the documentation process and help you prepare a compelling application that highlights your financial stability and business success.

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Understanding self-employed mortgage requirements

Self-Employed Mortgage Advantages

Access specialist lenders and mortgage products designed specifically for self-employed borrowers

Specialist Lender Access

Access to lenders who specifically understand self-employed income and business structures

Flexible Income Assessment

Lenders who understand variable income, seasonal fluctuations, and business growth patterns

Documentation Guidance

Expert help preparing and presenting your accounts, tax returns, and business documentation

Competitive Rates

Access to competitive self-employed mortgage rates and exclusive deals not available directly

Efficient Processing

Streamlined application process with lenders experienced in self-employed assessments

Expert Ongoing Support

Dedicated support throughout the application process and beyond for future remortgaging needs

Your Self-Employed Mortgage Journey

Our proven 3-step process makes securing your self-employed mortgage straightforward, from documentation review to completion.

01

Document Assessment

We'll review your accounts, tax returns, and business documentation to understand your income pattern and present the strongest application possible.

1-2 days
02

Lender Matching

We match you with specialist lenders who understand self-employed income and offer competitive rates for your specific situation.

3-5 days
03

Application & Support

Our case managers handle your application from submission to completion, keeping you updated and addressing any lender queries.

Until completion

Self-Employed Income Types We Handle

We work with all types of self-employed income structures and business arrangements

Sole Traders

Using SA302 forms and business accounts to assess net profit and affordability

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Limited Company Directors

Salary plus dividend income assessment with company accounts and personal returns

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Contractors

Specialist lenders who understand contract work and day rates

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Partnerships

Partnership accounts and individual SA302 forms for income assessment

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Freelancers

Multiple income stream assessment with client diversification consideration

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Mixed Employment

Combined employed and self-employed income with flexible assessment criteria

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Self-Employed Mortgage Questions

Everything you need to know

What is a self-employed mortgage?
A self-employed mortgage is designed for individuals who work for themselves, including sole traders, partnerships, contractors, and company directors. These mortgages accommodate the variable income and different documentation requirements that come with self-employment, requiring specialist assessment and often more flexible underwriting criteria.
What documents do I need as a self-employed applicant?
Self-employed applicants typically need 2-3 years of accounts, SA302 forms or tax calculations, bank statements (usually 3-6 months), proof of any contracts or future work, and evidence of business registration. Company directors may also need company accounts and dividend vouchers. Our advisors will guide you through exactly what's needed for your situation.
How do lenders assess my income if I'm self-employed?
Lenders typically use an average of your last 2-3 years' net profit for affordability calculations. Some specialist lenders offer more flexible approaches, such as using contract day rates for contractors or considering latest year figures if showing growth. We work with lenders who understand self-employed income patterns and can present your application in the best light.
Can I get a mortgage with only one year of self-employed accounts?
While most lenders prefer 2-3 years of trading history, some specialist lenders will consider applications with just one year of accounts, particularly for contractors or those with previous employed income in the same field. We have access to lenders who can work with shorter trading histories in certain circumstances.
What if my income varies significantly year to year?
Variable income is common for self-employed individuals. Lenders understand this and typically use averaging methods or focus on the most recent year if showing an upward trend. Some specialist lenders are more flexible with income fluctuations. Our expert advisors know which lenders are most accommodating for your specific income pattern.
Are self-employed mortgage rates higher than employed rates?
Self-employed mortgages often have similar rates to employed mortgages, though you may need a slightly larger deposit. The key is working with the right lender who understands your income structure. At Home Me Mortgages, we have access to specialist lenders offering competitive rates specifically for self-employed applicants.
Can contractors get mortgages?
Yes, contractors can get mortgages, and we work with specialist lenders who understand contractor income. Whether you're an IT contractor, locum, or work in construction, we can help. Some lenders will use your contract day rate to assess affordability, while others focus on your company profits or dividend income.
What if I have limited company income through dividends?
Many self-employed directors take income through a combination of salary and dividends for tax efficiency. We work with lenders who understand this structure and can assess your total income appropriately. You'll need company accounts, dividend vouchers, and personal tax returns to support your application.
How can Home Me Mortgages help with my self-employed mortgage?
We specialize in self-employed mortgages and understand the unique challenges you face. Our expert advisors will review your income structure, help you prepare the right documentation, and match you with lenders who are most likely to approve your application. We have access to specialist lenders and exclusive rates for self-employed borrowers.
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Ready to Get Started?

Take the first step towards your dream home. Our expert mortgage advisors are here to guide you through every step of the process.

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Fast Processing
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Why Choose Home Me?

2500+
Happy Clients
£150M+
Mortgages Secured
20+
Years Experience
4
Football Partnerships

Quick Contact

hello@homememortgages.co.uk 01628 884 693