Specialist
Self-employed mortgages
One year of accounts, retained profit, contractor day rates. We know which lenders read your figures the way you do.
TYPICAL RATE FROM
4.71%
MAXIMUM LTV
90%
MINIMUM DEPOSIT
10%
LENDERS WE CAN USE
52
Who this suits
Sole traders, company directors, and contractors. The frustration is always the same: you know what you earn, and the high street reads it differently. A director taking a small salary and leaving profit in the company looks poor on paper to a lender that only counts salary plus dividends.
What we do differently
We place cases with lenders that use retained profit, that accept one year of accounts, or that work from a contractor day rate rather than accounts at all. That last group will often lend on day rate times five, which for many contractors is materially more than an accounts-based assessment.
Size the case at this rate
The rate below is pre-filled from this product. Change anything else and watch what happens to the stress-tested payment.
Based on 4.5x income after commitments, stress tested 3 points above the pay rate. Lender criteria vary. An estimate, not a mortgage offer.