04/09/2026
Self-employed and looking to get a mortgage? 🏡
One of the biggest questions we get is: “How long do I need to be self-employed before I can get a mortgage?”
A lot of lenders will typically ask for 2 years of accounts or tax calculations, but some lenders may consider you with just 12 months.
That’s why speaking to a mortgage broker can make all the difference. We can look at your individual circumstances, explain what lenders are likely to accept, and help you understand what you could potentially borrow.
Being self-employed doesn’t have to mean getting a mortgage is complicated.
Thinking about buying? Get in touch with Frank Mortgages. 🧡