Business structure and ownership
Self-employed mortgages
Self-employed does not mean simple or impossible; it means understanding the detail.
Preparation built around how your business, income and supporting evidence actually work.
Discuss your self-employed position
Calm adviceClear preparation.
Careful consideration.
Careful consideration.
A proper starting point
Context and evidence matter.
Self-employed income can be presented in different ways depending on the business structure, trading history and the information available.
A proper review can help identify the documents, explanations and questions likely to be relevant. It cannot guarantee that a particular income treatment, lender or outcome will apply.
What the review can cover
The conversation may cover
The exact information, evidence and questions depend on your individual position. This list is general guidance rather than personal advice.
Trading history and recent performance
Accounts, tax calculations and tax year overviews
Salary, dividends, drawings or partnership income
Existing commitments and business-related liabilities
Expected changes that may be relevant
Worth considering
Preparation points
No single factor determines suitability or availability. The full circumstances need to be understood together.
- Keep personal and business records organised
- Avoid assuming taxable profit and available income are the same thing
- Explain material year-on-year changes clearly
- Consider timing before changing structure or remuneration
- Use verified current figures rather than estimates where required
Common questions
Clear answers to useful starting questions.
These answers are general and should not be treated as personal mortgage or protection advice.
Do I always need two or three years of accounts?
Requirements vary by lender and circumstances. A review is needed before making statements about what evidence or trading history may be acceptable.
Can retained profit be used?
Income treatment varies. It should not be assumed without checking the full position and current lender requirements.
Does being self-employed reduce my options?
The available routes depend on the business, income, evidence, deposit, commitments and wider circumstances.
A conversation, before a commitment
Choose a convenient time to talk.
Book a discovery call to explain what you are considering. Any personal recommendation would follow an appropriate full review of your needs and circumstances.
Primary contact
Book a discovery call
Choose an available time online for an initial 30-minute conversation.
View live availabilityBooking an initial call does not constitute personal advice.Your home may be repossessed if you do not keep up repayments on your mortgage.