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Mortgages that work for the self-employed

Our common-sense approach

Lending to self-employed customers

When customers are looking for first or second charge mortgages, our common sense approach means we’re well-placed to help. We know that being self-employed it can be tricky to predict monthly earnings, which is why we’ll look at the customer behind the application and consider all circumstances.

From income sources, property type, purchase type (Right-to-Buy, shared ownership) and credit profiles, we’ll consider each and every customer on their own merit. If we can help, we will.

Why are Together well-placed to help self-employed customers?
  • We cater for all types of self-employed from limited companies, sole traders and partners to contractors and builders, plus many others
  • We consider self-employed customers who have been trading for only 12 months
  • We look at multiple sources of income when assessing affordability
  • We have no minimum income requirement
  • We assess on affordability, not Loan to Income ratios
  • We offer an interest only option on both first and second charge mortgages.
Our mortgage lending criteria

Maximum loan amounts:

  • 1st charge mortgages from £20,000 to £1m*
  • 2nd charge mortgages £10,000 to £1m*

Maximum LTV:

  • 1st Charge: 75%
  • 2nd Charge: 77.5%

Repayment options:

  • Capital repayment
  • Interest only

Fees & Charges:

  • No valuation or lender solicitor charges
  • No early repayment charges


  • Variable rates: From 3 – 30 years
  • 5-year fixed rates

We offer the same rates for our self-employed customers as those who are employed and to help make things more affordable and easier to plan, we offer a 5-year fixed rate product. Alternatively, we also offer an interest only option. Plus, we won’t hit you with early repayment charges if you want to pay off your mortgage early, and that’s even on our fixed rate mortgages.

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Work in the professional sector and looking to introduce a client? Find out more.

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Request a call back

Our Broker Relationship Team are here between 9am – 5pm. You can call them on 0161 451 3154 or simply fill out the form below and one of the team will be in touch shortly.