Self-employed customers

A mortgage for those in self-employment.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday and 9am to 7pm on Friday. If you contact us by 2pm we guarantee to get back to you the same day. If it’s after 2pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


Your home may be repossessed if you do not keep up repayments on your mortgage.

Got an irregular income? Looking for a lender who looks at affordability differently? Talk to us.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.
We could help you share the load 

When you’re self-employed, predicting what you’ll earn each month can be tricky.  It’s certainly harder than being in full or part-time employment. Our mortgage caters for self-employed applicants including sole traders, those in partnerships or LLPs, and shareholders in limited companies even with less than perfect credit histories. That’s because we consider your individual circumstances, not just your credit profile. So if you’ve had previous problems, you could still qualify for a self-employed mortgage from us. 


We’ll consider self-employed mortgages for:
  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property you want is a little out of the ordinary)
  • the more usual brick-built houses, flats and maisonettes.


Key features
  • Mortgages up to £1,000,000
  • Loan to value (LTV) up to 75%
  • CCJs and Defaults accepted up to 70% LTV
  • Variable rates from 6.37%
  • 5-year fixed rates from 7.12%
  • Interest-only repayment options available
With added value

You will find the same rates for our self-employed mortgages as you will for our employed mortgages. 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 don't hit you with early repayment charges if you want to pay off your self-employed mortgage early. And that’s even on fixed-rate mortgages.


Overall cost for comparison

For example: A loan of £120,000 payable over 15 years on our variable rate for the loan term of 15 years at our current rate of 6.37% (variable) would require 180 monthly payments of £1,088.61 plus a redemption administration fee of £150.00.

The total amount payable would be £196,099.91 made up of the loan amount plus interest on the loan (£66,618.97), processing fee (£3,000.00) and arrangement fee (£3,000.00) plus interest on these fees (£3,330.95) and the redemption administration fee (£150.00).

The overall cost for comparison is 7.4% APRC representative. 

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.


Getting your self-employed mortgage in 8 easy steps 

When you apply for a mortgage with us, one of our qualified mortgage advisers will guide you through each step of the process:

  1. We’ll make sure we understand your circumstances fully before recommending a suitable mortgage. If you’re happy, you’ll receive a ‘mortgage illustration’ providing all the relevant details about the product you’re applying for.
  2. Our mortgage advisers will take you through the full application process. We’ll tell you exactly what you need to do, and when, including sending us supporting documentation. For example, your Accountant's Certificate, or SA302 forms. 
  3. When we have everything we need, we’ll assess your application and supporting information.
  4. Then a surveyor will visit the property to ensure it’s mortgage-worthy. 
  5. If it is, we’ll make you a mortgage offer, which means we’ve accepted your mortgage application. 
  6. Our advisers will tell you what’s happening at each stage and, importantly, you’ll have their contact details if you want to get in touch.
  7. (For Purchase Only) Your conveyancer or solicitor will start to discuss exchanging contracts with the sellers and agree a date to complete the sale. This is a good time to take out buildings insurance.
  8. (For Purchase Only) Completion is the date you’ll officially own your new home. We’ll transfer the mortgage funds to seller’s solicitor. Then you’ll receive the keys and you can move in! 


Our lending criteria
  • Max LTV based on property value – 75%
  • Maximum mortgage – £1,000,000
  • Variable rate terms – 3 to 30 years
  • Fixed rate terms – 5 years then variable rates
  • Maximum age – 80 at end of term
  • CCJs and Defaults accepted (even in the last 12 months)
  • Income – accountant’s certificate or last 2 SA302s accepted (as long as dated in the last 18 months)
  • All property types considered – must be >40% residential use


Your home may be repossessed if you do not keep up repayments on your mortgage.

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