self-employed mortgages

If you work for yourself, applying for a mortgage can cause concerns on whether your application will be accepted, or whether you’ll end up paying over the odds. All of our team have personal experience in this area, so our knowledge comes in handy to help guide you through the minefield, and make sure we find the perfect mortgage for you.

get started

We make getting a mortgage as hassle-free as possible. Simply apply online and we’ll be in touch to discuss the details of your perfect self-employed mortgage.

apply for a self-employed mortgage online

self-employed mortgages
application quick guide

gather your documents

Make sure you can get all your personal and financial paperwork together beforehand - it will be key for your mortgage application.

choose your mortgage

There are many options out there for home buyers looking for the right mortgage. We’ll advise you on the one that will suit you and your family’s needs.

consider the cost

Based on your incomings and outgoings, we can help you calculate what you can spare each month towards mortgage repayments.

agreement in principle

After we’ve helped you find the right self-employed mortgage and made an application to the lender, we’ll obtain an agreement in principle from them. This means you can go house-shopping knowing exactly what you can spend.

find a home

The search is on! With your budget, location and mortgage locked up, you are ready to find your ideal family home.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

How many years do you have to be self-employed to get a mortgage?

Many lenders currently ask for 3 years accounts to prove income in order to borrow on a mortgage, there are a few that consider mortgage applications for those self-employed less than 2 years, and there are even a small number of mortgage lenders accepting 1 years accounts.

Is it harder to get a mortgage if self-employed?

In theory, self-employed borrowers have access to exactly the same range of mortgage products as everyone else, so long as you are able to put down the necessary deposit and prove you can make the repayments on your loan. Nearly all lenders will take self-employed earnings into account if you can produce a SA302 form. 23 Apr 2013

How much can self-employed borrow mortgage?

How much can I borrow? As a general guide, whether you are employed or self-employed, you can normally borrow a maximum of the equivalent of 5 times your proven annual income – although some lenders may consider less, such as the equivalent of 4 or 4.5.

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so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…