We often get asked if a self-employed person can get a mortgage, the answer is yes!  This is a specialist area and you need to make sure you work with a broker who not only understands mortgages but accounts too.  Here at Hello Mortgage we have an ex accountant who looks after our self-employed team.


In theory mortgages for contractors or self-employed people are no different to standard mortgages, but the way they are assessed is.


How do I prove my income?


Self-employed in a Limited Company

We strongly recommend you have your annual accounts prepared and filed by an accountant.  This will give the lender comfort that your numbers are correct and independently checked.  The lender will use your accounts to assess your income.


Contractor or Freelancer

You should expect to be asked for your 4 more recent contracts, a copy of your SA302s/tax calculations and a copy of your HMRC tax year overview.  It always helps if your tax return is prepared and filed by an accountant, rather than yourself.  The lender will use your filed tax returns to validate your income and assess your affordability.


Sole Trader

As with contractors and freelancers you will be expected to produce your last 3 years SA302s/Tax calculations.  You may also need to produce additional personal current account statements or explain how your income is generated.

FCA authorised

We are authorised and regulated by the Financial Conduct Authority

Trained & Qualified

Our team are trained and qualified professionals, for added peace of mind

Customer focused

We believe exceptional customer service is what sets us apart


Not been trading for more than 12 months?

If your business is relatively new and you are unable to produce a full years tax return or trading accounts the chances of securing a mortgage are slim, but not impossible.


At Hello Mortgage we work a small number of niche lenders who will use self employed income that is over 6 months to assess affordability.  These lenders do tend to charge a higher rate than high street lenders due to the risk involved.

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Can I have a self-certified mortgage?

No.  The financial conduct authority banned self-cert mortgages in 2010 due to the risks associated with them.  With a Self-certified mortgage you specify how much you earn when you apply without supplying any documents to prove your income.

We can help with a self-employed mortgage if


You need a cash boost for your business*


You need to consolidate debt or raise additional funds


You are looking for a self-employed re-mortgage


You are a self-employed first-time buyer


You have limited trading history


You would like to understand what options are available to you

* Business funding applications are provided by our sister company MyInfinity Finance Limited who are directly authorised by the Financial Conduct Authority.


Hello Mortgage Limited is registered in England and Wales. Registered Office: Suite 20, Cookson House, River Drive, South Shields, Tyne & Wear, NE33 1TL. Company Number: 10414170. DPA number ZA332902


Hello Mortgage Limited is an Appointed Representative of MyInfinity Finance  Limited which is authorised and regulated by the Financial Conduct Authority 672182.

VAT Reg no: 347344491


© 2021 Hello Mortgage Limited - All Rights Reserved


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