Self employed mortgages

Looking for a mortgage as a self-employed person or company director? Our expert advisers can help make the process simpler. We work with a wide range of lenders across the UK to help you find the right product for your circumstances.

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MORTGAGES FOR SELF EMPLOYED AND DIRECTORS

Mortgage advisers for the self employed in Milton Keynes and the UK

Being self-employed or a company director shouldn’t hold you back from owning a home, but it does mean your mortgage journey may look a little different. That’s where Mortgage Light comes in.


We understand that no two businesses are the same, and your income may not follow a traditional salary model. Whether you’re a sole trader, a partner in a business, or a limited company director, we help you present your case clearly and professionally to the right lenders.


With a dedicated team experienced in helping self-employed clients, we’ll guide you through what you need to provide, help you strategise for the long term, and advocate for you at every stage of the mortgage process.

What do lenders need from self-employed applicants?

While every lender is different, most will want to see two full years of accounts or SA302s and Tax Year Overviews to assess your income. Some may consider just one year’s figures — but this depends on your trading history and the strength of your application. Your adviser will explain exactly what’s needed, which usually includes:


  • SA302s and tax overviews from HMRC (last 2 years)
  • Full business accounts (if applicable)
  • 3 months’ personal and business bank statements
  • Proof of ID and address
  • Details of any outstanding debts or other income
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Self-Employed & Director Mortgages

We work with:

We'll match your circumstances to the right lender and advise how to best evidence your income, including how dividends, retained profit, and company performance are taken into account.

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Sole traders

Where income is based on net profit.

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Limited company directors

Where income may be assessed from salary and dividends, or in some cases, retained profit.

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Partnerships

Based on your share of the net profit.

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Contractors or freelancers

Where income may vary month to month.

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Day rate contractors

Contractors who are paid a fixed daily rate for their work instead of a regular salary.

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MORTGAGE LIGHT CAN HELP.

Tips to boost your chances

  • Keep clear and up-to-date accounts
  • Reduce debts and keep personal credit clean
  • Work with an accountant who understands mortgage requirements
  • Plan ahead, especially if you're thinking of making big changes to your income structure

Why Mortgage Light?

We don’t just understand mortgages - we understand how self-employed income works and how to present it to lenders in the best light. With a dedicated team offering decades of combined experience, we’ve helped hundreds of clients like you secure lending that fits their life, not just their payslip.


And because 80% of our clients return to us, you’ll never feel like just another application. We’re in your corner now, and for whatever your next move looks like.


Want to learn more? Read our Self Employed mortgages blog post.

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💡 Working with the leading lenders in the whole of market...

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Frequently asked questions

Got a question? It might be answered here. You can also head over to our FAQ page to read more of our frequently asked questions.

  • Can I get a mortgage if I’m self-employed?

    Yes - being self-employed doesn’t stop you from getting a mortgage. Lenders simply assess your income in a slightly different way, and we work with providers who welcome applications from self-employed clients.

  • I’ve only been self-employed for one year - can I still apply?

    Yes -  there are lenders who will accept just one year of trading history! If you can show a solid first year of accounts and have a good deposit, you can absolutely be considered for a mortgage.

  • I recently switched from sole trader to a limited company - does this matter?

    If you’re still working in the same line of business, switching from sole trader to a limited company is usually fine. Many lenders will treat this as a continuation of your self-employed history. 

  • What income documents will I need?

    The documents required depend on how you run your business:


    Sole Traders / Partnerships:

    • Most recent SA302s (tax calculations) and Tax Year Overviews from HMRC.
    • Personal bank statements.

    Limited Company Directors

    • Company accounts
    • SA302s (tax calculations) and Tax Year Overviews.
    • Business bank statements.
    • Lenders may use your salary, dividends, and sometimes your share of company profits when working out affordability.

SEE WHAT OUR CLIENTS HAVE TO SAY...

Testimonials

GOT A QUERY...?

Frequently asked questions

Got a question? It might be answered here. You can also head over to our FAQ page to read more of our frequently asked questions.

  • Do green mortgages cost more?

    Not necessarily. Many lenders actually offer better rates or incentives if the property meets green criteria. We’ll compare these alongside standard deals to ensure you’re getting value.

  • Can landlords get green mortgages?

    Yes. Landlords can often benefit from green products too, especially when upgrading properties or buying newer, more efficient builds. We can advise on how these changes impact affordability and borrowing.

  • What if my property doesn't qualify yet?

    No problem, we’ll still explore the best deal for your current position, and help you map out a path to improving your home’s energy performance if that’s part of your plan.

HOMEOWNERSHIP FOR EVERYONE.

10 ways first time buyers are getting on the property ladder

As a first-time buyer, there are a number of mortgage products designed to help make homeownership more accessible - particularly if you’re struggling to build up a large deposit. 

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Low deposit mortgages

Where some lenders will accept deposits as low as 5%, depending on your credit profile and income.

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Higher income multiples 

Available to applicants with strong rental histories, a high salary, or professional qualifications, often more accessible when you have a larger deposit

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Cashback mortgages

A fixed sum back upon completion to help with initial costs - normally linked to new build homes.

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Shared ownership

Where you buy a share of a property and pay rent on the remainder – with the option to purchase more shares over time.

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Builder or developer incentives

Often offered on new-builds to reduce your upfront costs - there are often ways to work directly with the developer to tailor the deal and explore additional mortgage options.

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Joint borrower, sole proprietor mortgages

Sometimes called “income booster” - allowing a parent or family member to support your income without being named on the property

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Zero deposit (100%) mortgages

Available in specific circumstances – such as where you've been renting for a period of time and can show a consistent payment record. These are subject to stricter eligibility criteria and affordability checks.

Looking to get more information on your first mortgage?

Let’s explore your options

Our team are here to help.

We make this easy for you. Simply contact us to arrange to come in and discuss your needs. If you’re pushed for time, call one of our expert advisers and we will be able to go through your options in a quick chat over the phone.