15/06/2026
One of the most common misconceptions is that being self-employed makes getting a mortgage difficult. While the process can be slightly different, there are plenty of lenders who are happy to lend to business owners, contractors and sole traders.
What do lenders usually want to see?
• Your recent accounts or tax returns
• Evidence of regular income
• Business bank statements
• A good track record of managing your finances
• Details of any existing credit commitments
The biggest mistake we see is people assuming they'll be declined without ever speaking to an adviser.
Every lender has different criteria. Some are more flexible than others. That's where expert advice can make all the difference.
We've helped self-employed clients across Hartlepool, Teesside and the wider North East secure mortgages for purchases, remortgages and buy-to-let properties.
If you're self-employed and thinking about buying a home, moving house or remortgaging, we'd be happy to talk through your options.
No jargon. No pressure. Just straightforward advice.
Give us a call > 0808 222 3245
Find out more > mortgage123.co.uk