08/06/2026
Self-Employed and Worried About Getting a Mortgage?
One of the biggest misconceptions we hear is:
“I’m self-employed, so getting a mortgage will be difficult.”
The reality? It can be different from an employed application, but that doesn’t necessarily make it difficult.
In fact, with around 1 in 7 people in the UK now self-employed, lenders have adapted and many are keen to lend to business owners, contractors, sole traders and company directors.
The challenge is often understanding which lender is right for your circumstances.
Every lender assesses self-employed income differently. Some will look at:
✅ Sole trader profits
✅ Limited company salary and dividends
✅ Salary and net profit for company directors
✅ Retained profits within a business
✅ Contractor day rates
✅ Just one year’s accounts in certain situations
This is where many self-employed people come unstuck. They speak to one bank, get told “no” or receive a lower borrowing figure than expected, and assume that’s the end of the road.
Often, it isn’t.
At RH Mortgage & Financial Solutions, we take the time to understand your business, your income structure and your future plans. We can work closely with your Accountant too.
We then research the market to find lenders whose criteria fit your circumstances rather than trying to force your circumstances into one lender’s box.
Whether you’re a:
🔹 Sole Trader
🔹 Limited Company Director
🔹 Partnership Owner
🔹 Freelancer
🔹 Contractor
there may be more options available than you think.
If you’ve been told it’s difficult because you’re self-employed, or you’re simply unsure where to start, we’d be happy to have a conversation.
📩 Drop us a message if you would like to speak to one of our Advisers
Your home may be repossessed if you do not keep up repayments on your mortgage.
