Mortgages for the
Self-Employed
If you're self-employed, a business owner, or a contractor, securing a mortgage can feel more complicated but with the right advice, there are many options available.
Self-employed applicants are often concerned that their income structure may make getting a mortgage difficult.
In reality, many lenders are experienced in assessing self-employed income, including company directors, freelancers, contractors, and business owners.
The key is understanding how lenders interpret income and presenting your financial position clearly.
At Astute Mortgages, we help self-employed clients in Waterlooville and Hampshire navigate this process with straightforward advice and structured mortgage solutions.
Why
Self-Employed Mortgages Can Feel More Complex
Unlike salaried employees with consistent payslips, self-employed professionals often have income that varies from year to year.
Because of this, mortgage lenders typically require additional information to understand your financial position.
This may include:
Business accounts
Tax returns
SA302 documents
Evidence of ongoing contracts or income
While this can feel complicated initially, the process becomes much clearer once the right information is reviewed and presented properly.
Our role is to guide you through this process and help identify lenders that understand self-employed income structures.
Who Self-Employed Mortgages Can Help
Company directors and business owners with income derived from salary, dividends, or retained profits.
Business Owners
Professionals working independently across industries including design, technology and consultancy.
Freelancers
Individuals working on fixed contracts whose income structure differs from traditional employment.
Contractors
Our Advice Process
Step 1
Understand Your Income Structure
We review how your income is generated and what documentation is available.
Step 2
Assess Lender Criteria
Different lenders evaluate self-employed income differently, so we identify suitable options.
Step 3
Explain Your Options Clearly
We walk you through mortgage options and affordability expectations.
Step 4
Guide the Application
If you proceed, we manage the application and support you throughout the process.
Why Self-Employed Clients Choose
Astute Mortgages
- Experience supporting self-employed applicants
- Clear explanation of lender criteria
- Whole-of-market lender access
- Personal, supportive service
How Self-Employed Mortgages
Work in Practice
Freelancer
A freelance professional with two years of trading history secures a mortgage based on verified income and accounts.
Company Director
A director purchasing a family home structures their application based on salary and dividends.
Contractor Mortgage
A contractor with consistent contract income secures a mortgage through lenders familiar with contractor income models.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Client Experiences
We value being your reliable mortgage partner, dedicated to honesty, clear communication, and tailored support.
Self-Employed Mortgage FAQs
We take pride in being your dependable mortgage ally, focused on integrity, openness and personal service.
How many years of accounts do I need?
Most lenders require two years of accounts, although some may consider one year depending on circumstances.
Can company directors get mortgages?
Yes. Many lenders assess income based on salary and dividends.
Do contractors qualify for mortgages?
Yes, although lender criteria can vary depending on contract structure.
Do I need an accountant?
Most lenders prefer accounts prepared by a qualified accountant.
Is the deposit requirement different?
Deposit requirements are usually similar to standard mortgages.
Thank you for contacting us.
We’ll get back to you as soon as possible.
We got it.
Self-Employed and Planning a Mortgage?
