Mortgages made simple for the self-employed.
One year of accounts, retained profits, day rates, CIS deductions — complex income is the everyday here. Get a realistic borrowing figure before you speak to anyone.
No credit check. No obligation. Advice fee only payable on application.
4.9/5
from 180+ client reviews
90+
lenders searched, whole of market
1 year
of accounts is often enough
24 hrs
typical response time
Your income isn't complicated. Most lenders just read it wrong.
Limited company directors
Salary and dividends, or salary plus your share of net profit before tax — whichever gets you further.
Sole traders
SA302s and tax year overviews from one, two or three years. Rising profits can be treated as latest-year.
Contractors & CIS
Day rate × days worked, with no need for two years of filed accounts on many lenders.
Three steps, start to keys
1. Estimate
Use the self-employed affordability tool to see a realistic borrowing range in two minutes.
Open the estimator2. Prepare
Generate a document checklist tailored to your trading setup and trading history.
Build my checklist3. Advise
Book a free call, share your figures, and get a lender shortlist and decision in principle.
Pick a timeWhat clients say
Two high street banks said no because I'd only been trading 14 months. Harper found a lender who used my first SA302 and we completed in five weeks.
My salary is tiny and everything sits as retained profit in the company. They knew exactly which lenders look at net profit — borrowing went up by £180k.
Day-rate contractor with an outside-IR35 contract. It was assessed on the day rate, not my accounts. Genuinely painless.
Find out what you can borrow
Two minutes, no credit footprint, and a figure that reflects how self-employed income is genuinely assessed.