Self-Employed?

Getting a Mortgage

Doesn't Have to Be Ruff

Breaking Down Self-Employed Mortgages

Breaking Down Self-Employed Mortgages

Being your own boss is brilliant, but getting a mortgage shouldn't feel like your toughest project yet.
At The Mortgage Dog, we're experts at helping self-employed professionals, freelancers, contractors, and small business owners secure great mortgage deals.

Whether you're a sole trader, limited company director, or contractor, we know exactly what lenders are looking for.

Planning Your Move: Strategy Meets Reality

Before diving into Rightmove and dreaming about your perfect home, let's get strategic.
We'll help you understand your current position, calculate your equity and create a plan that makes the most of your financial situation.


From using equity to clear existing debts (boosting your borrowing power) to timing the market right, we're here to make your move count.

Who We Are?

We're not just another stuffy financial service.

We're your long-term financial partner committed to helping you smash your property goals from your first step onto the ladder right through to your forever home.

Our Promise to You

From your first mortgage chat to your last remortgage decades from now. We're not just processing paperwork – we're helping you build your life, one mortgage at a time.


Your home journey starts here.

STILL NOT SURE?

Frequently Asked Questions

Self-Employed Mortgage FAQs

How Long Do I Need to Be Self-Employed to Get a Mortgage?

Let's cut through the myths:

  • Most lenders want to see 2-3 years of accounts

  • Some accept just 1 year of trading

  • Specialist lenders might consider less with a strong track record

  • Contractors often need just a current contract and track record

  • Limited company directors have unique options

    Pro tip: Start preparing early. We can help you understand which lenders match your trading history.

What Income Evidence Will Lenders Accept?

Every self-employed structure is different:

Sole Traders:

  • SA302s and tax year overviews

  • Business bank statements

  • Accountant's reference

    Limited Company Directors:

  • Salary and dividends

  • Director's loan account

  • Retained profits (some lenders)

  • Latest company accounts

    Contractors:

  • Daily rate calculations

  • Current and previous contracts

  • Contract extensions

  • CV and experience history

How Do Lenders Calculate My Income?

Understanding how lenders view your income is crucial:

  • Typically average of last 2-3 years' income

  • Some use latest year if increasing

  • Limited company: salary + dividends (some consider retained profit)

  • Contractors: daily rate × days worked × weeks

  • Covid-affected years might be treated differently

    We know which lenders:

  • Take a more flexible view of company profits

  • Consider retained profits

  • Use latest year figures

  • Handle variable or increasing income

How Can I Improve My Mortgage Chances?

Preparation is key:

  • Keep clean business and personal bank accounts

  • Maintain up-to-date accounts

  • Register for self-assessment early

  • Save larger deposits where possible

  • Manage credit score effectively

  • Work with a qualified accountant

How Are The Mortgage Dog Self-Employed Experts?

The Mortgage Dog specialises in:

  • Finding lenders who understand your business structure

  • Maximizing provable income for mortgage purposes

  • Navigating complex company accounts

  • Explaining how different lenders view your income

  • Future planning for property investment

    Don't let being self-employed hold you back from getting on the property ladder or moving up it.

    We speak both 'bank' and 'business' - let us translate your entrepreneurial success into mortgage success.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £299.

The Mortgage Dog Ltd (FCA Number 788976) is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Ltd. is registered in England and Wales under company number 12306191 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority

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