Self Employed Mortgages

Being self-employed shouldn’t be a barrier to buying a home or remortgaging. Whether you're a sole trader, company director, or freelancer, WIS Mortgages provides fee-free, expert advice to help you secure the right mortgage—based on your true income.

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Key Benefits

Tailored Income Assessment:

Lenders consider salary, dividends, retained profits, or SA302s depending on your structure.

Access to Specialist Lenders:

We work with lenders that understand non-standard income and business cash flow.

No Broker Fees:

Our service is completely free of charge, with access to the whole market.

Flexible Proof of Income:

Some lenders accept just one year of trading history.

Remortgage & Purchase Options:

Available for both homebuyers and those refinancing an existing loan.

Eligibility Criteria and Requirements.

Who Can Apply?

You’re likely eligible if you are:

A sole trader, limited company director, partner, or freelancer
Self-employed for at least 12 months (some lenders require 2–3 years)
Able to prove income through official tax documentation

What are the Requirements?

Lenders typically ask for:

SA302s and Tax Year Overviews (1–3 years)
Company accounts if you’re a director
Business bank statements
Proof of deposit and identification
A reliable credit history and evidence of ongoing work or income
A deposit of 5%–15%, depending on the mortgage product and your income profile

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

Apply Now

Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Some lenders accept just 1 year of accounts, though most prefer 2–3 years for a clearer income picture.

Yes. Specialist lenders assess overall income patterns, not just one year. Retained profits or dividends can also be considered.

Not necessarily. With the right lender, you can access competitive rates similar to those for salaried employees.

Typically your SA302s, Tax Year Overviews, business bank statements, and ID.

Most lenders require 2 to 3 years of accounts or SA302s, though some may accept just 1 year with strong evidence.

Yes, but it may limit your options. Some lenders will accept combined income history if the business continuity is clear.

Lenders may look at net profit (sole traders) or salary plus dividends (limited company directors). Some consider retained profits too.

It helps. Many lenders prefer accounts prepared or certified by a qualified accountant, especially for self-employed applicants.

Yes. Lenders may average your income over 2–3 years or focus on the most recent year if it’s stable or rising.

Not necessarily. If your income is well-documented and strong, you may qualify for the same rates as employed applicants.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone