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Self-Employed Mortgages Made Simple

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0208 050 1962

Specialist Support for Contractors, Company Directors & Business Owners – Even with Adverse Credit

Getting a mortgage when you’re self-employed doesn’t have to be complicated. At Specialist Mortgages Pro, we specialise in finding tailored solutions for self-employed individuals, including those with limited accounts or irregular income. Whether you need a mortgage for self-employed with 1-year accounts or have complex financials, our team is here to help.

We’re expert self-employed mortgage brokers who know how to present your financial profile to specialist lenders who take a flexible, real-world approach.

What You Need to Know

Getting a mortgage when you’re self-employed doesn’t mean it’s harder—it just means the process is different. Traditional lenders often require 2–3 years of accounts, consistent income, and standard pay slips. But if you’re newly self-employed, draw dividends, or work through contracts, this model doesn’t always reflect your true financial position. That’s where we come in. We specialize in:

  • Self-employed mortgages with one year accounts
  • Contractor mortgages based on day rates or short-term contracts
  • Mortgages for limited company directors using retained profits and salary
  • Adverse credit self-employed mortgages, for those with CCJs, defaults, or low credit scores

Who Qualifies as Self-Employed?

We’ve supported a wide range of self-employed professionals, including:  

  • Sole traders and freelancers with irregular or seasonal income
  • Contractors working through umbrella companies or limited setups
  • Directors of limited companies who retain profits rather than pay high salaries
  • Newly self-employed individuals with just 12 months of trading history
  • Self-employed clients with credit issues such as missed payments or CCJs

Why Self-Employed Mortgages Are Different

Most mainstream lenders apply strict income verification rules and may only count salary and dividends—ignoring other sources like retained profits or contract value. This means many successful business owners get unfairly declined or offered poor terms. We work with specialist mortgage lenders who take a more holistic view, including:

  • Your full trading history
  • Your current contract or business performance
  • Company accounts, SA302s, and even projections (if needed)
  • How long you’ve been trading—even if it’s just one year
  • And if you’ve had previous credit challenges, don’t worry—some lenders offer mortgages for contractors with bad credit or accept

  • What you need to know

  • Who we help

  • Why It's different

Speak to a specialist broker today

Check your eligibility for self-employed mortgages with 1‑year accounts

How SpecialistMortgagesPro.co.uk Can Help

Here’s how we support self-employed clients from start to finish

  • Self-Employed Mortgage Experts

    We’re not just mortgage brokers—we’re self-employed mortgage specialists who understand business finances. We know how to position your income and help you secure a competitive deal.

  • Whole-of-Market Access

    Our access to the full range of lenders—including those who cater specifically to contractors and company directors—means more choice and better rates for you.

  • Experience with Complex Cases

    Whether you have bad credit, inconsistent income, or only one year of accounts, we’ve helped clients in similar situations succeed.

  • Fast, Hassle-Free Process

    We take care of the paperwork, present your case properly, and liaise directly with lenders. You’ll get clear updates and personal support every step of the way.

Corporate Partnership With

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Speak to an Advisor
+44 746 780 1485

Self-Employed Mortgages FAQs

Key questions answered about self-employed mortgages.

  • Who Qualifies as Self-Employed?

    You’re typically considered self-employed if you own 20–25% or more of a business or if your main income comes from freelancing, contracting, or sole proprietorship. This includes small business owners, consultants, and gig workers.

  • What Is a Self-Employed Mortgage?

    A self-employed mortgage isn’t a special product, but rather a standard mortgage offered to people who work for themselves. The key difference is how lenders verify income, which requires more documentation than for salaried applicants.

  • How is income assessed for company directors?

    Unlike banks that only consider salary/dividends, specialist lenders may assess retained profits as part of your overall income—potentially increasing what you can borrow.

  • Can I get a contractor mortgage with bad credit?

    Yes. Some specialist lenders will consider mortgages for contractors with bad credit, depending on the age and severity of the issues, and whether they’re now resolved.

  • Can I get a self-employed mortgage with just one year of accounts?

    Yes. Several lenders accept self-employed mortgages with one year accounts, especially if you have a strong recent income and solid business outlook.

Mortgage with clarity and confidence.

Whether you're a freelancer, contractor, or business owner, we’re here to help you navigate the mortgage process with clarity and confidence.

    Let Us Help You Secure Your Mortgage Today

    Contact us to discuss your needs and discover your options for a self-employed mortgage
    with expert guidance.