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.
Convenient options for you.
Having credit issues shouldn’t stop you from buying or remortgaging. We work with lenders offering adverse credit mortgages for self-employed clients, including those with historic CCJs, defaults, or missed payments. We also assist discharged bankrupts or those with past IVAs, as well as clients with low to moderate credit scores.
As a limited company director, your business may be thriving—but your official salary and dividends might not show your full earnings. We work with lenders who consider retained profits with your salary, accept one or two years of accounts, offer flexibility if you’ve taken lower income for tax purposes, and understand how director finances are structured.
If you’re a contractor, many lenders assess income based on your day rate rather than a standard salary—often enabling larger loan amounts. We support IT contractors, construction workers, creative professionals, and more. PAYE umbrella contractors, limited company contractors using gross contract value, and contractor mortgages with bad credit—even with defaults—are all considered.
Check your eligibility for self-employed mortgages with 1‑year accounts
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:
We’ve supported a wide range of self-employed professionals, including:
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:
Here’s how we support self-employed clients from start to finish
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.
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.
Whether you have bad credit, inconsistent income, or only one year of accounts, we’ve helped clients in similar situations succeed.
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.
Key questions answered about self-employed mortgages.
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.
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.
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.
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.
Yes. Several lenders accept self-employed mortgages with one year accounts, especially if you have a strong recent income and solid business outlook.
Whether you're a freelancer, contractor, or business owner, we’re here to help you navigate the mortgage process with clarity and confidence.
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Contact us to discuss your needs and discover your options for a self-employed mortgage
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