SELF-EMPLOYED MORTGAGES
Accounts don’t tell the full story?
We specialise in self-employed mortgages
Your home may be repossessed if you do not keep up repayments on a mortgage.
The Financial Conduct Authority does not regulate some forms of Buy-to-Lets.
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STRUGGLING TO GET A MORTGAGE IF YOU’RE SELF-EMPLOYED?
Banks often say no to self-employed borrowers - even when the business is doing well.
Income can look “inconsistent” on paper, criteria is rigid, and options feel limited.
It’s natural to worry about what happens next.
Common reasons banks decline self-employed mortgage applications:
Irregular or fluctuating income
Short trading history
Retained profits not accepted
Dividends or director’s pay misunderstood
Complex accounts or multiple income streams
There are better options
Specialist lenders take a more realistic view of self-employed income.
With the right lender and the right structure, getting a mortgage is often still possible – even when the banks won’t help.
Self-employed mortgage specialists
We’re independent mortgage advisers who deal with self-employed mortgages every day.
Access to specialist lenders
Clear, honest advice
A realistic plan to secure the right mortgage
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WHY THE BANKS SAY “NO”
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Banks often assess income using rigid formulas - such as averaging the last two years - which can reduce how much you can borrow, even if your latest figures are strong.
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Different forms of self-employment are treated differently. Sole traders, limited company directors and partnerships are often assessed using one-size-fits-all rules that don’t reflect how you actually earn.
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Recent changes in income, strong growth, or a short trading history can cause issues, even when your business is performing well and sustainable.
SPEAK TO AN EXPERT TODAY
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A previous decline doesn’t mean there are no options. It usually means the lender wasn’t right for your situation.
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No. An initial conversation and assessment won’t affect your credit file.
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That depends on your situation, but we focus on clear answers and efficient progress from the start.
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This is not a problem at all. Our role is to explain things clearly, without jargon, so you always know what’s happening.
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We assess your situation, explore suitable lenders, and guide you through the process — helping you avoid common pitfalls along the way.
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We will only supply exactly what the lender asks to avoid delaying the process. We also keep minimum documents needed for our internal compliance.
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That’s our job. We compare this for you and check what lenders are available, so you can make the right choice without having to do it yourself.
GEORGE GRIFFITHS
MANAGING DIRECTOR
