We'll find you the perfect

Self-Employed Mortgage

If you're self-employed and looking for a mortgage, we can help you find a mortgage suitable to your requirements.

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

Get in contact >Find out more >

Self-Employed Mortgage Broker

We’re not limited to a handful of lenders. We have access to the biggest players in the market as well as specialist, niche lenders. We’ll search over 90 lenders to find you the right mortgage product tailored to you and your needs.

How we help applicants who are self-employed

Being self employed applying for a mortgage can be complicated and time consuming but it doesn’t need to be! We specialise in self employed mortgages and know exactly what paperwork the lenders will need from you to progress with an application.

The way the lenders will calculate your income vary slightly depending on which type of self employed person you are;

Sole trader – lenders will base your income shown on your tax calculations. Most lenders will use an average of the latest 2 years however we can look to use just the latest year’s income if specifically needed.

Limited Company – Lenders will take both your salary and dividends that have been drawn. Some lenders are able to use your salary and company’s net profits, should this be more beneficial to you.

Usually lenders will want to see a minimum of 2 years trading as self employed, although there are some lenders who can consider as little as 1 year.

3 Simple Steps

Enquire

Arrange a free 30 minute consultation to discuss your current situation and come up with a plan to get you mortgage ready.

Apply

We will issue you with a decision in principle and when ready, submit your application, taking care of all of the paperwork – saving your precious time.

Complete

Once the mortgage has been submitted, our team will manage the whole process ensuring the solicitors, estate agents and lenders are all working together.

Get Started Today >

Self-Employed Mortgage FAQ's

Take a look at some of our most frequently asked questions about self-employed mortgages.

How many years do I need to be self employed before I can apply for a mortgage?

Most lenders want to see at least 2 years history of being self employed but there are a few lenders who can look at as little as 1 year.

What will I need to provide to prove my income?

You will usually need to provide your latest 2 years (if available) tax calculations and tax year overviews. If you are a limited company director, you will need to also provide your latest 2 years company accounts.

What income will be used in affordability calculations if I’m self employed?

This depends on what type of self employed income you receive. If you are a sole trader, the income used will be what is declared on your tax calculation as ‘profit from self employment’. If you are a limited company director, there are two options which are either your ‘salary + dividends’ OR your ‘salary + company’s net profit’.

About RJ Mortgages

RJ Mortgages compare thousands of products available on the market, making sure you are getting the very best for your individual needs. We provide advice in a way that is clear and easy to understand, leaving you feeling educated and inspired.

Get in contact >

Rachel was brilliant from start to finish. I wasn’t too hopeful she could help us as we are older with a history of adverse credit. We had been stuck in a horrible high interest mortgage. She did help us we are so happy and it has saved us so much money each month. It’s all quite techy now too submitting stuff on line and Rachel was always there to help us with that too.

Steph

2022-07-11

Me and my girlfriend have recently bought our first house and I have to say I don't think we could have done it without the help of Rachel! She was literally there for us every step of the way and helped guide us through the whole process of getting the best mortgage for us! Whenever something came up that we wasn't too sure about, all we had to do was ask and she'd explain and take care of everything in a nice and simple way. I would definitely recommend her and her services and wouldn't hesitate to use her again!

Matt Moore

2022-11-07

Highly recommend Rachel, she worked all hours to make sure I got the best rate on mortgage in these really rough times, her communication was brilliant, she explained eveything to me and updated me on eveything as she done it. Will defiantly be using Rachel for all future mortgage work. Thank you so much and for making it so easy!

Jade Robertson

2022-10-20

Really impressed with the service Rachel provided us during our re-mortgage. Nothing was too much trouble. We asked a lot of questions during the application and Rachel answered all of them quickly and professionally. We've now got a great new rate and are so happy! Best of all was the communication and keeping us updated on progress - something which was important to us. A great experience all round. Thank you very much Rachel, we'll definitely be recommending your services to our friends and family

Richard Williams

2022-07-20

Rachel has been so amazing through the process of my move. Not only did she get us a good rate she kept us informed all the way through. Rachel went above and beyond being a mortgage advisor and helped be massively when it looked like the sale wasn't going to happen. So grateful to her!

Adam Dowsett

2022-11-09

I cannot recommend Rachel enough. I understood nothing about mortgages and the whole experience seemed very overwhelming but Rachel made the whole process seamless. She is incredibly knowledgable, friendly and kept us both updated throughout the whole process. Nothing was too much trouble for her and she was constantly on hand to answer my 10,000 questions. She was very quick at getting back to us and handled every detail for us. Highly recommend! We will be using Rachel again in the future. 11/10

Sarah Thorburn

2022-09-06

Rachel has been brilliant from start to finish, in our quest for additional borrowing and product transfer on our mortgage. Having tried to get the same outcome with our existing lender and other brokers to no avail, Rachel came up trumps. Communication was excellent, it didn't matter what time of day, which allowed for flexibility outside work hours. The whole process was seamless and took weeks rather than months to complete. Very happy customers!

Katie Taylor

2022-12-01