Self-employed? Need a mortgage or secured loan?

Mortgages that work for you when you work for yourself.
0161 933 7059 or arrange a callback >

  • Enjoy identical rates to employed applicants.
  • Minimum 12 months' trading.
  • For homes, premises, and investment properties.
  • Interest-only payments available.
  • Short- and long-term borrowing.
  4.6/5 average rating by independent customer feedback

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.

Picture of a cartoon phone in purple circle, with the circle inside a speech bubble. Call - 0161 933 7059
We’re here between 9am and 5.30pm Monday to Friday.

Any property used as security, including your home, may be repossessed if you do not keep up repayments on your mortgage or any other debt secured against it. Consolidating unsecured debt through secured lending could increase the total amount you pay back.