Realise your property ambitions when you work for yourself

Self-employed mortgages and loans.

  • Complex and multiple income sources accepted
  • Projected income accepted
  • Only 12 months’ trading required
  • Identical rates to employed applicants
Call and get a quote
0161 933 7059

We're open 09:00 to 19:00 Mon-Thu, 09:00 to 17:30 Fri

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

How much can I borrow?
Find out here

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Self-employed mortgages and loans that work for you

Today, more and more of us are becoming self-employed.

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.

At Together, we’re a specialist lender who can deal specifically with self-employed mortgages and loans. We think that just because you don’t get paid exactly the same amount on the same day of each month shouldn’t stop you from achieving your property ambitions.

Whether you’re a sole trader, freelancer, contractor or consultant (and even if you’re a limited company, LLP or SME), our common-sense approach means we'll consider your application by looking at the whole picture, not just your credit score or loan-to-income ratio.

Calculate how much I can borrow

Do you want to understand the potential cost of your mortgage or loan?

We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.

Find out here

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We helped self-employed Malini upgrade her home with a secured homeowner loan.
Find out how



Common questions about self-employed mortgages and loans

Can I apply if I’m self-employed and have bad credit?

Yes. We can review credit profiles without a credit search. We also review applications on a case by case basis, meaning we’ll look at the whole picture and not just the numbers.

What types of income can be used if I’m self-employed?

When it comes to our self-employed income mortgage criteria, we can accept a range of different types of income, but the ones that are relevant to you may depend on your trading style. The most common income types we accept are:

  • Sole traders can use net profit (if using accounts) or total income (if using an SA302 Tax Calculation form).
  • Partnerships can use your share of net profit (if using accounts) or your share of total income (if using an SA302 Tax Calculation form).
  • Limited company directors can use the director's salary, dividends or (sometimes) retained profits.

Can I apply if I have only just set up my business?

Absolutely! We’re happy to consider mortgages for new businesses. 

We’ll review your application from day one of your business, with no trading history necessary.

How much can I borrow if I’m self-employed?

The minimum and maximum amounts that you can borrow for your business differ based on the type of borrowing that you need, as well as the LTV (Loan to Value). 

The good news is that you’ll get access to the same business rates and loan sizes whether you’re a sole trader, LLP, partnership or limited company.

To find out how much you could borrow, you can use our personalised borrowing calculator:

Borrowing calculator
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Self-employed and need simple, straightforward finance?

Ready to talk?

Book a call back
Alternatively, call us on 0161 933 7059.
Lending decisions are based on a credit check and an assessment of your individual circumstances. 

All mortgages are subject to our terms and conditions.
 
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Select a time that suits you to see how we can help

0161 933 7059

We are here between:

Monday - Thursday: 09:00 to 19:00


Friday: 09:00 and 17:30


By using the appointment booking system, you confirm you have read and understood our Fair Processing Notice.