Self-Employed Mortgages

It's now easier than ever to get a mortgage when self-employed

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Mortgage Enquiries

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Mortgages Accepted

Being self-employed should not limit your mortgage options

As long as you can prove you have the income to make the mortgage repayments, your chances of borrowing are as good as anyone else’s.

Our team are ready to find you the most suitable deal.

Why Choose MortgageKey for Self-employed Mortgages

We know the market

Our team’s knowledge of the self-employed mortgage market, and excellent relationships with lenders, ensure you get the best offers

Thousands of deals considered

We research and compare thousands of self-employed mortgage deals to ensure we can tailor a deal suited to you

We’re completely independent

We’ve no tie-ins with certain lenders. As we’re fully independent and unbiased our focus is solely on finding the best option for you.

Pay nothing until completion

With no obligation on the offers we secure, we don’t ask for any payment until your self-employed mortgage deal is complete

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Self-employed Mortgages – Your Questions Answered

To be deemed self-employed, it means you will own 25% or more of a business. If you are in a partnership or a sole trader, your lender will view you as being self-employed.

The good news is that the market is improving and more and more self-employed people are being approved mortgages.

Can I get a mortgage when I am self-employed?

Yes you can, but with self-employment rising in recent years, and your long-term financial position perhaps less certain than those working as employees, you’ll need to meet certain criteria.

As a general rule, lenders are simply looking for evidence of reliable earnings and regular records of your income. Crucially, they need to be confident that you can sustain your current level of income in the years to come.

What financial details must I have for a self-employed mortgage?

Typically lenders will look for you to have two years’ worth of accounts and tax returns. In some cases, you might need to provide up to three years’ worth.

Being able to prove that you have an income plentiful enough to make the necessary repayments is crucial, so a solid track record of regular contract work may be to your advantage.

If you're a contractor, you may have to evidence future work, to show that your level of income will be sustained. Some might want to see a projection of your future earnings in the form of upcoming contracts.

Will my mortgage options be limited because I am self-employed?

At MortgageKey we find that the majority of lenders work under the impression that being self-employed should not limit the mortgage options available to you. Most lenders will gain you access to a range of mortgage deals which include fixed, variable and tracker mortgages. And, as we can compare and search through thousands of self-employed deals from leading providers on your behalf, we’ll be able to find an offer best suited to your circumstances.

How can I improve my chances of getting a mortgage?

Like in any mortgage, the bigger deposit you can initially put down the better. You could also perform a credit check on yourself to ensure everything is as it should be beforehand.

Seeking the advice of an experienced and respected mortgage broker like MortgageKey beforehand will also ensure you are advised on any further steps you should take, whilst they will also research and find the most suitable deals.

What our clients are saying

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
    customer
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
    Lauren
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
    CAROLINE HAYNES
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
    shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
    customer
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

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