The Ultimate Self-Employed UK Mortgage Guide 2026

The Ultimate Self-Employed UK Mortgage Guide 2026 

The Ultimate Self-Employed UK Mortgage Guide 2026 explains everything self-employed borrowers need to know about getting a mortgage in today’s UK market. From income requirements and lender criteria to deposits and approval tips, this guide helps you prepare, apply, and secure the right deal with confidence.

Being self-employed in the UK has never been more common. Contractors, consultants, tradespeople, freelancers, and company directors make up a significant and growing part of the workforce. Yet despite this, many self-employed people still approach the mortgage process expecting difficulty, confusion, or outright rejection.

That expectation often comes from experience. Many self-employed borrowers are told different things by different banks, are asked for documents they do not understand, or are declined without a clear explanation. In most cases, the issue is not affordability, profitability, or risk, it is how income is assessed and presented. Unlike an employed applicant, who is typically assessed based on regular payslips and predictable income, self-employed applicants need to demonstrate their financial stability through detailed accounts and supporting documents to be considered attractive candidates by lenders.

In 2026, lenders are far more open to self-employed applicants than they were a decade ago. High street lenders, specialist banks, and building societies all actively lend to self-employed borrowers. 

However, they do so using frameworks that are very different from employed applications. Understanding these frameworks is the key to success. A self employed mortgage guide is an invaluable resource for learning how to manage your financial records and navigate the mortgage application process, helping you maximise deductions while maintaining your borrowing capacity.

This guide has been written to explain, in plain English, how self-employed mortgages really work. It is designed to help you understand lender thinking, avoid common mistakes, and approach the process with clarity and confidence. The mortgage landscape has changed significantly in recent years, making it harder for first-time buyers to enter the market.

How Mortgage Lenders View Self-Employed Risk

To understand why self-employed mortgages work the way they do, it helps to step into a lender’s mindset.

A mortgage is typically a commitment lasting 25 to 40 years. During that time, lenders expect economic cycles, industry changes, interest rate movements, and personal circumstances to evolve. Their job is not to predict success, but to manage risk responsibly.

For employed applicants, risk is mitigated by:

• A fixed salary
• An employment contract
• A predictable payment pattern

For self-employed applicants, risk is assessed differently. Income is not guaranteed month to month, so lenders focus on evidence of sustainability rather than certainty. While self-employed borrowers are sometimes seen as higher risk, many lenders are now more comfortable with self-employment income structures if income stability can be demonstrated.

This is why lenders rely on:

• Historical income
• Trends over time
• Behaviour during quieter periods
• Financial management habits

Lending criteria have become more stringent in 2026, and lenders are taking approval criteria more seriously, which affects mortgage availability.

It is also why documentation matters more for self-employed borrowers not because lenders distrust them, but because lenders need more context to make informed decisions.

Who Is Considered Self-Employed for Mortgage Purposes?

A common source of confusion is that HMRC and mortgage lenders do not always use the same definition of “self-employed”.

For mortgage purposes, you are usually classed as self-employed if you have control over how your income is generated, even if part of that income comes via PAYE.

You are typically treated as self-employed if you are:

• A sole trader
• A partner in a partnership or LLP
• A limited company director with a significant shareholding
• A contractor or freelancer
• Someone paid primarily through dividends or profit share

Contractor mortgages are a specific option available to those working as contractors, provided they can demonstrate stable income.

This classification triggers a different assessment process. Instead of payslips and P60s, lenders focus on business performance and income history. Some lenders will go off the day rate on the contract. The formula most lenders use are as follows: 5 x daily rate x 46 or 48 weeks dependant on lender criteria.

Why Historical Income Matters More Than Current Earnings

One of the most frustrating experiences for self-employed applicants is being told that their “current income doesn’t count”. From the borrower’s perspective, this feels illogical especially if the business is performing well right now. 

For salaried employees, lenders typically assess annual income based on predictable, regular pay, making the process more straightforward. In contrast, self-employed individuals often have their annual income evaluated using different methods, such as averaging income over the past 12 months or projecting annual income based on daily or monthly earnings.

From a lender’s perspective, however, a single point in time does not tell the full story.

Historical income allows lenders to assess:

• Whether income is consistent
• Whether fluctuations are normal for the industry
• Whether growth is sustainable
• How the business performs across different periods

Lenders are increasingly using tailored methods to calculate income for self-employed individuals, ensuring it accurately reflects annual earnings.

A strong current year is helpful, but lenders want reassurance that it is not an anomaly.

This is why most lenders prefer two years’ accounts.

Two years provide:

• A baseline
• A comparison point
• A visible trend

That said, this does not mean one year’s accounts are automatically unacceptable.

One Year’s Accounts: When Less History Can Still Work

There is a persistent myth that self-employed borrowers must wait two or three years before any high street lender will consider them. In 2026, this is no longer true. In fact, it is possible to get a mortgage with less than two years’ accounts, especially if your income is consistent.

Several high street lenders will consider applications with one year’s accounts, provided the overall case demonstrates stability, experience, and low risk.

This flexibility exists because lenders understand that:

• Many people move into self-employment from the same industry
• Contracting and consulting models are well established
• Business longevity is not the only indicator of sustainability

However, one year’s accounts are assessed far more holistically.

Lenders look closely at:

• Prior employment or industry experience
• Whether self-employment was a natural progression
• Cash flow shown on business and personal bank statements
• Credit history and financial behaviour
• Loan size relative to income

High Street Lender Examples (Indicative)

These lenders are selective, not lenient. The difference lies in how the case is presented, not just how long the business has traded.

Sole Traders: How Income Is Assessed and Why

For sole traders, mortgage lenders focus on net profit, not turnover. This is one of the most misunderstood aspects of self-employed mortgages.

Turnover reflects revenue passing through the business. Net profit reflects the income available after expenses and it is net profit that supports mortgage repayments.

From a lender’s perspective:

• Turnover can be misleading
• Expenses can vary widely
• Profit is the only reliable indicator of affordability

Most lenders will assess sole trader income by:

• Averaging the last two years’ net profit, or
• Using the most recent year if income is increasing and well supported

For CIS subcontractors, lenders may calculate annual income using either projected annual income based on daily or weekly work, or by taking a historical average over the past 12 months. CIS payments can also act as proof of income for mortgage applications.

Example: Sole Trader Income Assessment

A cautious lender may assess income at £48,000. A more flexible lender may use £55,000 due to the upward trend.

At typical income multiples, that difference could equate to £30,000 or more in borrowing power.

This is why lender choice is not a formality it is fundamental.

Limited Company Directors: Understanding True Income

Limited company directors are often at a disadvantage if income is assessed simplistically.

Many directors deliberately:

• Keep PAYE salary low
• Draw dividends flexibly
• Retain profits within the business

From a tax perspective, this is efficient. From a mortgage perspective, it can make income appear artificially low.

Historically, lenders assessed:

• Salary plus dividends only

In 2026, many lenders also consider retained profits, provided they are:

• Evident in company accounts
• Sustainable
• Supported by an accountant’s reference

Example: Director Income Structure

One lender may assess £40,570.
Another may assess over £90,000 with confirmation.

That difference alone can decide whether an application succeeds.

Types of Mortgages for Self-Employed Individuals

As a self-employed person, finding the right mortgage can feel daunting, but the mortgage market in 2026 offers more choice and flexibility than ever before. Self employed borrowers are no longer limited to a narrow set of products, there are a range of mortgage options designed to suit different income patterns and financial goals.

Understanding the main types of mortgages available is the first step to making a confident, informed decision.

The most common mortgage types for self employed individuals include fixed rate mortgages, repayment mortgages, and variable rate mortgages. Each has its own advantages and considerations, especially when your income may fluctuate from month to month or year to year. By exploring these options and working with a knowledgeable mortgage broker, self employed borrowers can find a mortgage that fits their unique circumstances and long-term plans.

Let’s take a closer look at the key mortgage types and how they can work for self employed applicants.

Fixed Rate Mortgage Options

A fixed rate mortgage is a popular choice for self employed individuals who value stability and predictability in their finances. With this type of mortgage, your interest rate is fixed and therefore your monthly mortgage payments remain the same for a set period, usually between two and five years. This can be especially reassuring if your income varies, as it allows you to budget with confidence, knowing exactly what your mortgage payments will be each month.

Most lenders in the mortgage landscape offer fixed rate mortgages, but the rates and terms can vary widely. For self employed borrowers, it’s important to compare deals carefully, as some lenders specialise in working with applicants who have different working patterns or less traditional income streams. A fixed rate mortgage can help smooth out the impact of any short-term income fluctuations, making it easier to manage your finances and plan ahead.

Working with one of our specialist mortgage brokers who understand the needs of self employed individuals can make a big difference. They can help you navigate the mortgage market, identify the most suitable fixed rate mortgage options, and present your case to lenders in the best possible light. Whether you’re a first time buyer or looking to remortgage, a fixed rate mortgage can provide the peace of mind that comes with consistent, manageable payments.

Repayment Mortgage Options

Repayment mortgages are the most straightforward and widely used option for self employed borrowers. With a repayment mortgage, each monthly payment covers both the interest on your loan and a portion of the capital, gradually reducing your balance over time. By the end of the mortgage term, the loan is fully repaid, and you own your property outright.

For self employed individuals, a repayment mortgage offers the reassurance of building equity with every payment, regardless of how your income is structured. Many lenders offer flexible features such as the ability to make overpayments or take payment holidays, which can be particularly useful if your income is seasonal or varies throughout the year.

When applying for a repayment mortgage, it’s essential to ensure your credit report is accurate and your credit history is in good shape. Lenders will closely examine your business accounts, tax returns, and overall income consistency to assess your borrowing potential. A strong credit history can open the door to better mortgage deals and more favourable terms.

To maximise your chances of approval, gather all necessary documentation, such as up-to-date business accounts, recent tax returns, and proof of income before you apply. An expert mortgage broker can help you identify the right lender and mortgage product for your situation, taking into account your unique income patterns and financial goals. 

By understanding your mortgage options and seeking professional advice, self employed borrowers can secure a repayment mortgage that supports their journey onto the property ladder or helps them move up to their next home.

Proving Income, Credit Behaviour & Borrowing Power

SA302s and Tax Year Overviews: What They Are and Why Lenders Insist on Them

For self-employed borrowers, income cannot be verified using payslips or P60s. Instead, lenders rely on documents that confirm what income has been declared to HMRC and whether the corresponding tax has been paid. This is where SA302s and Tax Year Overviews come in.

An SA302 is a summary of your declared income for a specific tax year. It shows the figures submitted via your tax return and provides lenders with a clear view of how much income you have formally reported. A Tax Year Overview confirms that the tax due for that year has been calculated and paid, or that a payment plan is in place.

Lenders require both documents because:

• The SA302 shows what income was declared
• The Tax Year Overview confirms that HMRC recognises it as final

Without both, lenders cannot be confident the income is genuine or complete.

Most lenders will request:

• The most recent two years’ SA302s and Tax Year Overviews
• Or one year where policy allows and the case is strong

For limited company directors, these documents must align with company accounts. Any discrepancies will raise questions during underwriting.

Accountant References and Retained Profits

Where retained profits are being used to support affordability, lenders often request an accountant’s reference. This is not a generic letter. It is a professional confirmation that:

• The business is profitable and trading sustainably
• Retained profits are not required for short-term operating costs
• There is no intention to materially reduce income

From a lender’s perspective, retained profits only strengthen an application if they are realistically available to the director.

Accountant references are particularly important where:

• Retained profits form a large proportion of assessed income
• Income has increased significantly year-on-year
• One year’s accounts are being used

Credit History for the Self-Employed: How Lenders Really Assess Risk

Credit history plays a more prominent role in self-employed mortgage applications because income is not fixed. Lenders use credit behaviour to assess how borrowers manage financial commitments during fluctuating income periods. 

Having bad credit does not automatically disqualify self-employed applicants, as there are specialist mortgage options available for those with poor credit histories. A good credit score is crucial for self-employed borrowers seeking a mortgage, and it’s important to avoid frequent applications for new credit to maintain a good credit profile.

Importantly, lenders do not make decisions based on a single credit score. They analyse the full credit report, focusing on patterns rather than isolated events.

They are asking:

“Does this borrower demonstrate financial discipline and prioritise commitments?”

Missed Payments and Arrears

Missed payments are one of the most common concerns for self-employed borrowers. In most cases, they are not fatal.

Lenders consider:

• How recent the missed payment was
• Whether it was a one-off or recurring
• How the account has been managed since

A missed payment from several years ago, followed by clean conduct, is usually viewed as low risk.

Defaults and CCJs: Context Is Everything

Defaults and CCJs carry more weight, but time and explanation matter.

Lenders assess:

• Age of the default or CCJ
• Amount involved
• Whether it has been satisfied
• Overall credit behaviour since

For many self-employed borrowers, credit issues arose during periods of business disruption rather than ongoing mismanagement. Where this can be explained and supported, lenders are often more flexible than expected.

Typical Lender Tolerance (Indicative)

Debt Management Plans (DMP), IVAs and Bankruptcy

More serious credit events do not automatically prevent home ownership, but they do require a structured approach.

• Debt Management Plans are often acceptable once completed, particularly with clean conduct since.
• IVAs and bankruptcy usually require a minimum period after discharge, often two to three years, and a higher deposit.

These cases typically begin with specialist lenders, with a planned remortgage to the high street once eligibility improves.

Bank Statements: How Underwriters Interpret Financial Behaviour

Bank statements are one of the most revealing documents in a self-employed mortgage application. Underwriters do not simply glance at balances they analyse behaviour.

They are looking for:

• Consistent income deposits
• Regular and predictable outgoings
• Sensible cash-flow management

Personal and business statements are assessed together to build a full picture.

Common Behaviours Underwriters Notice

One-off issues are rarely decisive. Persistent patterns raise concern.

How Much Can a Self-Employed Borrower Borrow?

Borrowing power is based on verified annual income, not just monthly or occasional earnings. Most lenders use income multiples, but the final figure is shaped by affordability models.

Lenders consider:

• Verified annual income (often calculated using projected annual income based on daily work or a historical average over 12 months)
• Existing credit commitments
• Household expenditure
• Number of dependants
• Stress-tested interest rates

In 2026, stress testing remains a key part of affordability, ensuring the mortgage remains affordable if rates rise.

Example: Borrowing Power Differences

This is why correct income assessment can dramatically change outcomes.

Why Reducing Debt Before Applying Matters

Even modest unsecured debt can significantly reduce borrowing capacity. Clearing or consolidating debt before applying often increases affordability more effectively than increasing income.

This is especially important for self-employed borrowers, where lenders already apply cautious assumptions.

Deposits, Loan-to-Value and the mortgage process explained

Deposits and Loan-to-Value for the Self-Employed

A common concern among self-employed borrowers is whether they are expected to provide a larger deposit than someone in employed work. In most cases, self-employed applicants are assessed using the same loan-to-value thresholds as employed borrowers. The difference is not the deposit itself, but how that deposit influences lender appetite.

Loan-to-value (LTV) represents the percentage of the property price that is being borrowed. The higher the LTV, the greater the lender’s exposure to risk. Where income is variable, lenders naturally become more cautious at higher LTVs.

In 2026, many lenders are comfortable offering self-employed mortgages at up to 90% LTV, particularly where income is stable and credit history is strong. However, the lower the LTV, the more flexibility lenders typically show with income complexity, trading history, and minor credit issues.

A larger deposit reduces risk in two ways. First, it lowers the loan amount relative to the property value. Second, it demonstrates saving discipline, which lenders view as a positive behavioural indicator.

How Deposits Influence Lender Choice

The size of your deposit often determines which lenders are realistically available, rather than whether a mortgage is possible at all. At higher LTVs, lender criteria tend to be tighter. At lower LTVs, lenders are often more accommodating.

For example, a self-employed borrower with:

• One year’s accounts
• Variable income
• A modest credit issue may struggle at 90% LTV but find significantly more options at 85% or 75% LTV.

Example: Deposit Impact on Lender Flexibility

This is why deposit planning is often just as important as income preparation.

First-Time Buyers Who Are Self-Employed

Self-employed first-time buyers face a unique challenge because they are navigating two unfamiliar processes at once, buying a property and proving income.

Lenders do not treat self-employed first-time buyers as inherently risky. However, they are aware that first-time buyers have not previously demonstrated the ability to maintain mortgage payments alongside all the other costs of homeownership.

For this reason, lenders focus heavily on realistic affordability. They want to see that the mortgage payment fits comfortably within current spending patterns, not just that it passes a calculator.

A consistent saving history, sensible spending behaviour, and conservative borrowing expectations can often offset shorter trading history or income variability.

Home Movers and Self-Employed Borrowers

Home movers are often in a stronger position because they have already demonstrated an ability to manage mortgage payments. Equity built up in an existing property usually reduces the LTV on the new purchase, which significantly improves lender choice.

That said, lenders still reassess income fully. Self-employed income is not “grandfathered in” simply because a mortgage already exists. If income has reduced, changed structure, or become more variable, lenders will want to understand why.

The advantage for home movers lies primarily in:

• Lower loan-to-value
• Proven mortgage conduct
• Greater financial maturity

These factors often make underwriting more straightforward.

The Mortgage Process for Self-Employed Borrowers: A Detailed Walkthrough

While the legal steps of a mortgage are the same for everyone, the decision-making process behind the scenes is far more involved for self-employed applicants. Working with a mortgage adviser can help you understand your options and ensure you organise your documentation early, which can significantly speed up the mortgage approval process. Understanding this process helps reduce stress and avoid unnecessary delays.

Pre-Application Assessment: Where Outcomes Are Decided

The pre-application stage is the most important part of the entire process, yet it is the stage most commonly overlooked.

At this point, income should be assessed exactly as the lender will assess it. This involves reviewing accounts, understanding how income is derived, and identifying which lenders are best suited to that structure.

This stage also involves reviewing credit reports in detail, not just checking for major issues. Minor entries, financial associations, and historical patterns are all considered.

A proper pre-application assessment prevents applications being submitted to unsuitable lenders one of the most common causes of self-employed mortgage declines.

Agreement in Principle: What It Does (and Does Not) Mean

An Agreement in Principle confirms that a lender is broadly comfortable with the applicant’s credit profile and stated income. It is not a guarantee of approval.

For self-employed borrowers, this stage must be approached carefully. Some lenders perform hard credit searches at this point, which can limit options if multiple applications are made unnecessarily.

An AIP should be used strategically, not as a trial-and-error exercise.

Full Application and Documentation Submission

Once a property is agreed, the full mortgage application is submitted. This is where lenders begin detailed verification.

Documentation typically includes:

• SA302s and tax year overviews
• Full business accounts
• Personal and business bank statements
• Proof of deposit
• Identification documents

Consistency across these documents is critical. Any discrepancy even a small one can result in delays or additional underwriting queries.

Underwriting: What Really Happens at This Stage

Underwriting is often perceived as a black box, but it is simply the stage where lenders validate risk.

Underwriters:

• Confirm income calculations
• Cross-check bank statement behaviour
• Review credit conduct
• Assess sustainability

Questions at this stage are normal. Delays usually occur when answers are unclear, incomplete, or slow.

Valuation, Offer and Completion

Once underwriting is satisfied, the lender arranges a valuation to confirm the property is suitable security. If the valuation matches expectations, the mortgage offer is issued.

The offer confirms the terms and allows legal work to progress. Once solicitors complete their checks, the mortgage completes and funds are released.

Why Self-Employed Applications Fail and How to Avoid It

Most failed applications are not due to income being insufficient, but due to:

• Poor lender selection
• Inconsistent documentation
• New borrowing during the process
• Unexplained bank statement activity

These issues are largely avoidable with preparation and advice.

Planning Ahead: A Critical Advantage for the Self-Employed

Self-employed borrowers benefit more than most from early planning. Small changes made months in advance such as reducing debt, improving cash flow visibility, or timing applications around accounts can significantly improve outcomes.

Remortgaging, Long-Term Planning and Building Mortgage Strength Over Time

For many self-employed homeowners, remortgaging is where the greatest financial gains are made. It is also the stage where misunderstandings can lead to missed opportunities. Working with a specialist broker can help self-employed borrowers navigate the mortgage process more effectively than general advisers and secure better rates and terms. 

A common belief is that once a mortgage has been secured, future borrowing becomes easier simply because payments have been maintained. While good mortgage conduct is important, lenders reassess self-employed income almost entirely from the beginning at each remortgage.

The advantage of remortgaging lies not in reduced scrutiny, but in how time reshapes a borrower’s overall risk profile. By the time a remortgage is due, most self-employed borrowers have longer trading histories, clearer income patterns, improved credit conduct, and lower loan-to-value ratios. These changes can significantly widen lender choice and improve pricing.

How Remortgaging Is Assessed for the Self-Employed

When a self-employed borrower applies to remortgage, lenders focus on three core areas: income sustainability, affordability, and property risk. Each is assessed independently, and strength in one area can often offset weakness in another.

Income is reviewed using the same principles as a purchase application. Lenders examine accounts, tax documents, and bank statements to understand not only how much is earned, but how reliable that income is.

For sole traders, this usually means reviewing net profit. For company directors, it involves assessing salary, dividends, and in some cases retained profits within the business.

Affordability is recalculated using current lender stress tests. Even if the new mortgage payment is lower than the existing one, lenders still apply forward-looking affordability models. This ensures the borrower could maintain payments if rates were to rise.

Property risk is often more favourable at remortgage. Equity built through repayments and house price growth usually reduces the loan-to-value, which lowers lender exposure and improves terms.

Why Remortgaging Often Improves Outcomes

The first mortgage is often secured when income is newer, trading history is shorter, and lender choice is limited. Remortgaging benefits from the opposite conditions. Over time, accounts tend to stabilise, business performance becomes easier to evidence, and financial behaviour is clearer.

Lenders view longevity positively. A self-employed borrower who has traded successfully for several years demonstrates resilience, particularly if income has been maintained through different market conditions. This history can unlock access to lenders that were previously unavailable.

Lower loan-to-value also plays a crucial role. Even where income has not increased significantly, a reduced LTV can materially improve interest rates and underwriting flexibility.

How Much Can Be Saved by Remortgaging in 2026?

Remortgaging savings are often underestimated. Many self-employed borrowers initially secure mortgages at higher rates due to restricted lender access or higher perceived risk. As circumstances improve, those rates can often be reduced substantially.

The table below illustrates typical savings scenarios for self-employed borrowers remortgaging onto more competitive products.

Over a fixed period, these savings can amount to tens of thousands of pounds. Importantly, they are usually achieved through better lender selection rather than dramatic changes in income.

Retained Profits and Remortgaging for Limited Company Directors

One of the most powerful opportunities available to company directors is the use of retained profits when remortgaging. Many directors operate tax-efficiently by leaving profits within the business rather than extracting them as dividends. While this reduces personal income on paper, it does not necessarily reduce affordability when assessed correctly.

Some lenders are prepared to consider retained profits as part of income, particularly when supported by an accountant’s reference confirming sustainability. This approach allows lenders to assess the true economic strength of the business rather than just the director’s personal drawings.

For directors who have intentionally limited personal income for tax planning purposes, remortgaging with the right lender can dramatically improve borrowing capacity and rate access.

Timing a Remortgage Correctly

Timing is critical for self-employed borrowers. Remortgaging too early can mean income has not yet improved enough to widen lender choice. Leaving it too late can reduce negotiating power and increase pressure.

Ideally, remortgage planning begins six to twelve months before the current deal ends. This allows time to finalise strong accounts, reduce commitments where possible, and resolve any minor credit issues.

Lenders assess circumstances at the point of application. Small improvements made in advance often have an outsized impact on outcomes.

Long-Term Mortgage Strategy for the Self-Employed

Successful self-employed homeowners tend to think beyond the next deal. Each mortgage decision influences the next one. Reducing loan-to-value, maintaining clean credit conduct, and structuring income sensibly all contribute to long-term mortgage strength.

Over time, this approach allows borrowers to move progressively towards:

• Lower interest rates
• Greater lender choice
• Increased flexibility for future borrowing

While income growth helps, consistency and structure are often more important than raw earnings.

Why Professional Advice Matters More at Remortgage

At remortgage stage, the difference between an average outcome and an excellent one is often lender interpretation. Two lenders can assess the same accounts in very different ways. Choosing the wrong lender can result in higher rates or unnecessary decline, even when the case is fundamentally strong.

Professional advice from a mortgage expert at Option Finance ensures income is presented accurately, lenders are approached strategically, and applications are structured to align with current criteria. This is particularly important where retained profits, variable income, or recent changes are involved.

Bringing the Self-Employed Mortgage Journey Together

From first purchase through to multiple remortgages, self-employed borrowing is not about overcoming barriers, but about understanding how lenders evaluate risk and planning accordingly. Each stage builds on the last.

With the right preparation and guidance, self-employment is not a disadvantage. It can offer flexibility, control, and long-term financial strength when matched with the right mortgage strategy.

Final Word from Option Finance

Self-employed mortgages in 2026 require clarity, preparation, and informed decision making. Those who take the time to understand how lenders think place themselves in a stronger position not just for their next mortgage, but for every one that follows.

Get help from an experienced mortgage broker.

You can speak to one of our specialist mortgage brokers who would be able to guide you through the process. They will advise if there is a lender available and the maximum loan amount based on your circumstances. We are a whole of market mortgage brokerage with access to all lenders. Call us on 01332 470400 or complete the form with your details for us to give you a call back.

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