SOLE TRADER MORTGAGES
Accounts don’t tell the full story?
We specialise in Sole Trader 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.
“Solutions where others gave up”
Our customers find us when their situation isn’t straightforward, and we provide solutions where others gave up.
See how we’ve helped those who were previously told no - find out if we can help you too.
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STRUGGLING TO GET A MORTGAGE IF YOU’RE A SOLE TRADER?
Banks often say no to sole traders - 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 sole trader mortgage applications:
Income Volatility: Fluctuating monthly revenue is often viewed by high-street banks as a high repayment risk, even if your annual numbers are strong.
Strict History Requirements: Most traditional lenders demand a minimum of two to three years of continuous trading, shutting out newer businesses.
Assessment on Net Profit: Banks calculate your borrowing capacity based on your net profit (income after expenses) rather than your overall turnover, which significantly lowers your official income figure.
Tax Minimisation: Legally deducting business expenses reduces your tax liability, but it simultaneously shrinks the paper income traditional banks use for affordability.
There are better options
Not all lenders assess sole traders the same way. While one bank might decline you based on your latest year's net profit, another may average your last three years, or even work off your most recent, highest-performing year.
Because different lenders use entirely different figures, we can match you with the specific provider that uses the exact calculations needed to maximise your borrowing power.
Sole trader mortgage specialists
We’re impartial mortgage advisers who deal with sole trader mortgages every day.
Access to specialist lenders
Maximised borrowing calculations
Clear, honest advice
A realistic plan to secure your mortgage
READY TO GET STARTED?
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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
