{"id":3571,"date":"2026-05-05T17:38:05","date_gmt":"2026-05-05T16:38:05","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=3571"},"modified":"2026-05-05T17:42:43","modified_gmt":"2026-05-05T16:42:43","slug":"self-employed-mortgages","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/self-employed-mortgages\/","title":{"rendered":"Getting a mortgage when you&#8217;re self-employed"},"content":{"rendered":"\n<p>Being your own boss brings freedom and flexibility. But when it comes to buying your own home, how easy is it to get a mortgage when you&#8217;re self-employed?<\/p>\n\n\n\n<p>In 2026, there were around 4.39 million self-employed people in the UK* with many lenders offering mortgages for self-employed. Self-employed home buyers can access the same mortgage deals and rates as those who are employed.&nbsp;<\/p>\n\n\n\n<p>The key difference for applying for a mortgage when self-employed, is how you prove your income.<\/p>\n\n\n<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        Our guide explains:    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li>How self\u2011employed mortgages work<\/li>\n<li>What lenders look for<\/li>\n<li>What paperwork you\u2019ll need<\/li>\n<li>How to boost your chances of approval<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 id=\"is-there-a-self-employed-mortgage\" class=\"wp-block-heading\">Is there a \u2018self\u2011employed mortgage\u2019?<\/h2>\n\n\n\n<p>There isn\u2019t a special mortgage type or provider just for self\u2011employed people. Most lenders offer their standard mortgages to self\u2011employed applicants too.<\/p>\n\n\n\n<p>From 2014, because of the Financial Conduct Authority\u2019s (FCA) Mortgage Market Review, lenders increased the amount of evidence required to verify income, when applying for mortgages. This impacted individuals with variable or uncertain incomes the most \u2013 like self-employed people.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h2 id=\"how-do-i-get-a-mortgage-when-im-self-employed\" class=\"wp-block-heading\">How do I get a mortgage when I&#8217;m self-employed?&nbsp;<\/h2>\n\n\n\n<p>Getting a mortgage when you\u2019re self\u2011employed is usually similar to applying as employed, but lenders will look a little more closely at how you earn your income.<\/p>\n\n\n\n<p>Instead of payslips, lenders will ask for documents that show your business income and how stable it\u2019s been over time.<\/p>\n\n\n\n<p>Here\u2019s how you get a mortgage when you\u2019re self\u2011employed:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Provide all relevant documents to prove your income<\/li>\n\n\n\n<li>Gather proof of your income before you start applying<\/li>\n\n\n\n<li>Get a mortgage in principle to understand your budget and what you can afford<\/li>\n\n\n\n<li>Compare mortgage rates and lenders<\/li>\n\n\n\n<li>Apply for a mortgage once you\u2019ve found a property<\/li>\n<\/ol>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light c-calculator-module--no-content\" \n   data-module-admin-id=\"3386f6ee6b53b840f6c740b65f24bc71\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        \n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"how-lenders-assess-self-employed-income\" class=\"wp-block-heading\">How lenders assess self\u2011employed income<\/h2>\n\n\n\n<p>All mortgage applications go through an affordability check. This looks at your income, spending and existing debts. How your income is assessed depends on how you work.<\/p>\n\n\n\n<h3 id=\"sole-traders-and-freelancers\" class=\"wp-block-heading\">Sole traders and freelancers<\/h3>\n\n\n\n<p>Lenders usually look at your net profit (after expenses).<\/p>\n\n\n\n<p>You\u2019ll normally need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SA302 tax calculations<\/li>\n\n\n\n<li>HMRC Tax Year Overviews<\/li>\n<\/ul>\n\n\n\n<p>&nbsp;These show your declared income and tax position.<\/p>\n\n\n\n<h3 id=\"limited-company-directors\" class=\"wp-block-heading\">Limited company directors&nbsp;<\/h3>\n\n\n\n<p>Most directors pay themselves through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A salary&nbsp;<\/li>\n\n\n\n<li>Dividends<\/li>\n<\/ul>\n\n\n\n<p>Many lenders assess salary plus dividends. Some will also consider retained profits, which can increase how much you can borrow (criteria varies by lender).<\/p>\n\n\n\n<h3 id=\"contractors\" class=\"wp-block-heading\">Contractors<\/h3>\n\n\n\n<p>Contractors are often assessed differently from other self-employed workers.<\/p>\n\n\n\n<p>Some lenders:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use your day or hourly rate<\/li>\n\n\n\n<li>Annualise it over 46\u201348 working weeks&nbsp;<\/li>\n\n\n\n<li>Ask for current and future contracts<\/li>\n<\/ul>\n\n\n\n<p>This helps show your income is ongoing and stable.<\/p>\n\n\n\n<h2 id=\"how-many-years-do-you-need-to-be-self-employed\" class=\"wp-block-heading\">How many years do you need to be self\u2011employed?<\/h2>\n\n\n\n<p>Most lenders prefer two to three years of accounts to assess affordability. This helps them see whether your income is stable over time.<\/p>\n\n\n\n<p>Affordability is assessed in the standard way, using either the average or the minimum income of the two years of accounts.<\/p>\n\n\n\n<p>Only been self-employed for a year? You still have options. Some lenders may consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One strong year of accounts<\/li>\n\n\n\n<li>Previous experience in the same industry<\/li>\n\n\n\n<li>A larger deposit<\/li>\n<\/ul>\n\n\n\n<p>This is more common with specialist lenders, so you could speak to a mortgage broker about your options and more personalised recommendations.<\/p>\n\n\n\n<h2 id=\"what-documents-will-you-need-for-a-self-employed-mortgage-application\" class=\"wp-block-heading\">What documents will you need for a self-employed mortgage application?<\/h2>\n\n\n\n<p>Getting organised early can make the process smoother when you\u2019re self-employed, as the process involves a bit more paperwork than normal.<\/p>\n\n\n\n<p>Most lenders will ask for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2\u20133 years of accounts, prepared by an accountant<\/li>\n\n\n\n<li>Tax documents: SA302s and Tax Year Overviews from <a href=\"https:\/\/www.gov.uk\/employment-status\/selfemployed-contractor\">HMRC<\/a><\/li>\n\n\n\n<li>Bank statements: Usually 6 months (personal and business)<\/li>\n\n\n\n<li>ID: Passport or driving licence<\/li>\n\n\n\n<li>Proof of address: Recent utility bill or council tax statement<\/li>\n<\/ul>\n\n\n\n<p>You\u2019ll also need to share details of regular outgoings, like bills, childcare and credit commitments.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">MORTGAGE RATES<\/div>\n        <div class=\"c-related-slim__title\">What are the current UK mortgage rates?<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h2 id=\"do-self-employed-people-have-to-pay-higher-mortgage-rates\" class=\"wp-block-heading\">Do self-employed people have to pay higher mortgage rates?<\/h2>\n\n\n\n<p>Being self\u2011employed doesn\u2019t necessarily mean you\u2019ll pay more for your mortgage.&nbsp;<\/p>\n\n\n\n<p>If you can clearly prove your income and a lender is confident you can afford the repayments, you\u2019ll usually have access to the same mortgage rates as employed buyers.<\/p>\n\n\n\n<p>However, in some situations, rates you can access may be slightly higher. This is usually because of lender choice, not your employment status. This could happen if your income varies or you\u2019ve been self\u2011employed for a shorter time.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Our mortgage expert, <a href=\"https:\/\/www.rightmove.co.uk\/press-centre\/all-files\/matt-smith-mortgage-expert\/\">Matt Smith<\/a> explains, \u201cRegulation requires lenders have policies on how they handle uncertain, or lumpy incomes, and this means that some lenders are more generous than others.\u201d&nbsp;<\/p>\n<\/blockquote>\n\n\n\n<p>Your mortgage rate is mainly influenced by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The size of your deposit<\/li>\n\n\n\n<li>Your credit history<\/li>\n\n\n\n<li>The type of mortgage you choose<\/li>\n<\/ul>\n\n\n\n<p>A mortgage broker can help you find lenders who understand self\u2011employed income and can offer competitive rates based on the market averages.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">Current average UK mortgage rates in the UK<\/h4>\n\n\n    <figure class=\"wp-block-table is-style-stripes\">\n        <table class=\"has-fixed-layout\" itemscope itemtype=\"https:\/\/schema.org\/Table\">\n            <thead>\n                <tr>\n                    <th>Term<\/th>\n                    <th>Avg rate<\/th>\n                    <th>Weekly change<\/th>\n                    <th>Yearly change<\/th>\n                    <th>Lowest rate<\/th>\n                    <th>Weekly change<\/th>\n                    <th>Yearly change<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody class=\"row-hover\">\n                                    <tr class=\"row-2 even\">\n                        <td class=\"column-1\">2-year fixed<\/td>\n                        <td class=\"column-2\">5.23%<\/td>\n                        <td class=\"column-3\">-0.03%<\/td>\n                        <td class=\"column-4\">+0.56%<\/td>\n                        <td class=\"column-5\">4.45%<\/td>\n                        <td class=\"column-6\">+0.00%<\/td>\n                        <td class=\"column-6\">+0.70%<\/td>\n                    <\/tr>\n                                        <tr class=\"row-3 odd\">\n                        <td class=\"column-1\">5-year fixed<\/td>\n                        <td class=\"column-2\">5.21%<\/td>\n                        <td class=\"column-3\">-0.04%<\/td>\n                        <td class=\"column-4\">+0.59%<\/td>\n                        <td class=\"column-5\">4.61%<\/td>\n                        <td class=\"column-6\">-0.03%<\/td>\n                        <td class=\"column-6\">+0.78%<\/td>\n                    <\/tr>\n                                <\/tbody>\n        <\/table>\n    <\/figure>\n    <p><small><time datetime=\"2026-05-05T00:00:00+00:00\">Updated: May 5, 2026<\/time><\/small><\/p>\n    \n\n\n<p><em>*These rates are provided by Podium and are an average based on 95% of the mortgage market. All rates are based on products with a circa \u00a3999 fee.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 id=\"does-being-self-employed-make-it-more-challenging-to-get-a-mortgage\" class=\"wp-block-heading\">Does being self-employed make it more challenging to get a mortgage?<\/h2>\n\n\n\n<p>Being self\u2011employed can make getting a mortgage a bit more challenging, but it doesn\u2019t mean it\u2019s out of reach.<\/p>\n\n\n\n<p>It helps to understand what affects eligibility if you\u2019re self-employed. These factors include:<\/p>\n\n\n\n<p><strong>Inconsistent income<\/strong><br>If your income goes up and down from year to year, lenders may see this as higher risk. That\u2019s because they want confidence you can afford the repayments even if your earnings dip, so they\u2019ll often look at your average income over the last few years.<\/p>\n\n\n\n<p><strong>Affordability concerns<\/strong><br>Lenders carefully assess whether you can comfortably afford the mortgage alongside your other outgoings. If you\u2019re unsure about affordability, lenders are likely to be cautious too, as they\u2019ll want to be confident repayments are manageable long term.<\/p>\n\n\n\n<p><strong>Approaching risk\u2011averse lenders<\/strong><br>Some lenders are more cautious than others when it comes to self\u2011employed applicants. A mortgage broker or adviser can help you understand which lenders are more used to assessing self\u2011employed income and which ones you\u2019re more likely to have success with.<\/p>\n\n\n\n<p><strong>Inadequate documentation<\/strong><br>Instead of payslips, self\u2011employed applicants are usually asked for two to three years of accounts, along with financial statements, tax returns and often an accountant\u2019s letter. If this paperwork isn\u2019t available or up to date, it can slow things down or limit your options.<\/p>\n\n\n\n<h2 id=\"what-types-of-mortgages-can-i-apply-for-being-self-employed\" class=\"wp-block-heading\">What types of mortgages can I apply for being self-employed?<\/h2>\n\n\n\n<p>Being self\u2011employed doesn\u2019t usually limit the <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\">types of mortgages<\/a> you can apply for. In most cases, the same standard mortgage options are available to self\u2011employed applicants, if you meet the lender\u2019s eligibility criteria.<\/p>\n\n\n\n<p><strong>Mortgage types to consider<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed\u2011rate mortgages<\/strong> \u2013 your interest rate stays the same for a set period, helping you budget with more confidence if income fluctuates<\/li>\n\n\n\n<li><strong>Tracker mortgages<\/strong> \u2013 your rate moves in line with a lender\u2019s base rate, which can change along with the economy<\/li>\n\n\n\n<li><strong>Discounted variable mortgages<\/strong> \u2013 a discount off the lender\u2019s standard variable rate (SVR) for a limited time<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/buy-to-let-mortgages-btl-mortgage-rates\/\"><strong>Buy<\/strong>\u2011<strong>to<\/strong>\u2011<strong>let mortgages<\/strong><\/a> \u2013 if you\u2019re buying a property to rent out rather than live in<\/li>\n<\/ul>\n\n\n\n<p>The main difference for self\u2011employed applicants is how your income is assessed, not which mortgages you can apply for.<\/p>\n\n\n\n<h2 id=\"five-ways-to-improve-your-mortgage-affordability-when-self-employed\" class=\"wp-block-heading\">Five ways to improve your mortgage affordability when self-employed:<\/h2>\n\n\n\n<h3 id=\"1-save-a-bigger-deposit\" class=\"wp-block-heading\">1. Save a bigger deposit<\/h3>\n\n\n\n<p>Many lenders accept <a href=\"https:\/\/www.rightmove.co.uk\/guides\/buyer\/ways-to-buy\/deposit-unlock\/\">deposits from 5%<\/a>, but putting down 10% or more can unlock better mortgage rates for self-employed.<\/p>\n\n\n\n<p>A larger deposit lowers the lender\u2019s risk, unlocks better mortgage rates and can reduce monthly repayments. &nbsp;<\/p>\n\n\n\n<h3 id=\"2-keep-your-credit-score-healthy\" class=\"wp-block-heading\">2. Keep your credit score healthy<\/h3>\n\n\n\n<p>Lenders <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\">check your credit history<\/a> carefully when assessing affordability. Keeping a healthy credit score shows lenders that you manage your finances, and pay off what you borrow.<\/p>\n\n\n\n<p>Simple steps to keeping a good credit score include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paying utility bills on time<\/li>\n\n\n\n<li>Paying off loans regularly<\/li>\n\n\n\n<li>Staying within credit limits<\/li>\n\n\n\n<li>Avoiding new credit a few months before applying<\/li>\n<\/ul>\n\n\n\n<h3 id=\"3-keep-your-income-steady\" class=\"wp-block-heading\">3. Keep your income steady<\/h3>\n\n\n\n<p>Consistent income and well-managed expenses will likely boost your chances with lenders. Start thinking about this early on, whilst you save for your next home.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid big changes to your business ahead of a mortgage application<\/li>\n\n\n\n<li>Keep accounts up to date<\/li>\n\n\n\n<li>File tax returns on time&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 id=\"4-consider-a-mortgage-broker\" class=\"wp-block-heading\">4. Consider a mortgage broker<\/h3>\n\n\n\n<p>If your self-employed income changes year to year, or you have more complex circumstances, a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\">mortgage broker<\/a> can help you explore your options.<\/p>\n\n\n\n<p>They understand which lenders:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accept different income types<\/li>\n\n\n\n<li>Consider one year\u2019s accounts<\/li>\n\n\n\n<li>Work with contractors and directors<\/li>\n<\/ul>\n\n\n\n<p>This can save you time, energy and get you access to better mortgage rates and deals.<\/p>\n\n\n\n<p>If you want to check your current mortgage affordability, use our <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">Mortgage Calculator<\/a>.<\/p>\n\n\n\n<h2 id=\"in-summary\" class=\"wp-block-heading\">In Summary<\/h2>\n\n\n\n<p>Being self\u2011employed doesn\u2019t mean putting homeownership on hold. With the right preparation, clear paperwork and expert support, getting a mortgage is very achievable. Once the admin\u2019s done, you can focus on the exciting part finding a place to call home.<\/p>\n\n\n<div class=\"row mb-5 mt-4 g-4\" id=\"\"><div class=\"col-12 col-lg-6 mb-2\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Understand your affordability<\/li>\n<li>See your monthly repayments<\/li>\n<li>Check how much you could borrow<\/li>\n<li>Find homes that match your budget<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><div class=\"col-12 col-lg-6 \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/Mortgage-Calculator_Medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Find out how much you can borrow<\/li>\n<li>You could get property viewings faster<\/li>\n<li>You\u2019re credit rating won\u2019t be affected<\/li>\n<li>And you\u2019ll be 1 step closer to a mortgage offer<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><\/div>\n\n\n<h3 id=\"frequently-asked-questions-for-self-employed\" class=\"wp-block-heading\">Frequently asked questions for self-employed<\/h3>\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-is-the-lowest-income-to-qualify-for-a-mortgage\" class=\"c-faqs__question\">What is the lowest income to qualify for a mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>There isn\u2019t a single minimum income you need to earn to get a mortgage. Most lenders work off income multiples, alongside a full affordability check. Those multiples are usually around 4 to 4.5 times your annual income. How much you can borrow depends on your overall finances rather than a fixed salary figure.<\/p>\n<p>That said, some lenders do set minimum income expectations, often in the region of \u00a320,000 to \u00a325,000 a year. This is more common for sole applicants. If you earn below that, you could have fewer options, but it doesn\u2019t rule you out. A joint application, lower outgoings or a larger deposit can all make a difference.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"which-mortgage-lender-is-best-for-self-employed\" class=\"c-faqs__question\">Which mortgage lender is best for self-employed? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>There isn\u2019t one single lender that\u2019s \u201cbest\u201d for self\u2011employed buyers., so you could have access to their usual products and rates.<\/p>\n<p>Where things can differ is in how lenders assess that income. If your circumstances are more straightforward, a high\u2011street lender may be suitable.<\/p>\n<p>If your income is more complex (for example, you\u2019re newly self\u2011employed or a limited company director,) a specialist lender may be better suited. Specialist lenders tend to have more flexible lending criteria, but rules do vary. Speaking to a mortgage broker is often the best way to understand which options are right for you, based on your individual situation.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-do-lenders-count-as-self-employed\" class=\"c-faqs__question\">What do lenders count as self-employed? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>Typically, lenders will count you as self-employed if you do not get paid your income solely by PAYE. This includes freelancers, sole traders, and limited company directors.<\/p>\n<p>If the main source of your income is from owning more than 20% of a business, most lenders class you as self\u2011employed.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-much-can-i-borrow-for-a-mortgage-if-im-self-employed\" class=\"c-faqs__question\">How much can I borrow for a mortgage if I\u2019m self-employed? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>As a rough guide, most lenders will consider lending around 4 to 4.5 times your annual income, whether you\u2019re employed or self\u2011employed. The exact amount you can borrow will depend on the size of your deposit, your income, outgoings and credit history.<\/p>\n<p>How lenders usually work this out:<\/p>\n<ul>\n<li>Your average income over the last two or three years<\/li>\n<li>How stable your earnings are over time<\/li>\n<li>Minus your regular outgoings, existing debts and credit commitments<\/li>\n<\/ul>\n<p>If you\u2019re a sole trader, this is often based on your net profit. If you run a limited company, some lenders will look at your salary and dividends, while others may also include retained profits.<\/p>\n<p>Because every lender assesses income slightly differently, the amount you can borrow can vary.<\/p>\n<p>Find out more about <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">how much you can borrow<\/a>.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-get-a-mortgage-if-myself-or-my-partner-is-self-employed\" class=\"c-faqs__question\">Can I get a mortgage if myself or my partner is self-employed? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>Yes, you can still get a mortgage if you or your partner is self\u2011employed.<\/p>\n<p>Lenders will look at both incomes together, assessing each person\u2019s earnings in the usual way. You\u2019ll both be named on the mortgage, meaning you\u2019re jointly responsible for keeping up repayments, even if one of you is self\u2011employed and the other isn\u2019t.<\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Please note: Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.\u202f<\/p>\n\n\n\n<p>*Sources: <a href=\"https:\/\/www.statista.com\/statistics\/318234\/united-kingdom-self-employed\/\">Statista: Number of self-employed workers in the United Kingdom<\/a>, &nbsp;<a href=\"https:\/\/www.fca.org.uk\/publication\/consultation\/fsa-cp10-16.pdf\">The Mortgage Market Review (2010)<\/a>; <a href=\"https:\/\/www.gov.uk\/employment-status\/selfemployed-contractor\">Gov.uk: Self-employed workers<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being your own boss brings freedom and flexibility. But when it comes to buying your own home, how easy is it to get a mortgage when you&#8217;re self-employed? In 2026, there were around 4.39 million self-employed people in the UK* with many lenders offering mortgages for self-employed. Self-employed home buyers can access the same mortgage [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":3573,"parent":1073,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"footnotes":"","author_profile":null},"class_list":["post-3571","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["9895"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Guide for Self-Employed Mortgages - Rightmove<\/title>\n<meta name=\"description\" content=\"Getting a mortgage when you\u2019re self-employed doesn\u2019t have to be daunting. 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