Borrowing that works for you when you work for yourself.
Self-employment is booming
Millions of us work for ourselves these days.
But getting a mortgage when you're self-employed can be tricky, often because mortgage lenders have to comply with strict rules to ensure you can afford your loan. One of the biggest hurdles can be proving what you’ll earn each month.
Fortunately, whether you think of yourself as a sole trader, freelancer, side-hustler or majority shareholder, our common-sense approach means we'll consider your application on its merits – looking at the whole picture, not just your credit score or loan-to-income ratio.
✓Minimum 12 months' trading.
✓Interest-only payments available for both short and long-term borrowing.
✓For homes, premises, and investment properties.
✓Enjoy identical rates to employed applicants.
Self-employed borrowing products
Ready to get started?See how we could help
You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.