We Help The Self Employed Maximimise Borrowing Power and Get Approved

Get approved with lenders who understand your income.

We help contractors, freelancers and business owners increase borrowing and improve approval chances, even with variable income or just 1 year of accounts.

✅Self-employed mortgage specialists

✅ Access to specialist lenders

✅ Help with dividends, salary & retained profits

✅ Maximise borrowing potential

Check My Eligibility

Why Self-Employed Applicants Struggle

Banks Don't Understand Self-Employed Income

Some high street banks don’t fully understand how self-employed income works. This can result in lower borrowing or even rejection, even if you earn well.

High Street Lenders Have Rigid Criteria

Many lenders use strict rules that often don't you allow you to capture your income correctly. This can limit how much you can borrow, or result in a decline decision.

Can't Borrow Enough

Self-employed income is often assessed differently depending on how it’s presented. If it isn’t structured correctly, you may not get the outcome you should.

We help self-employed clients across the UK, including:

➡️Limited company directors

➡️Sole traders

➡️Contractors & freelancers

➡️First-time buyers & home movers

Been declined by a bank? That doesn’t mean you can’t get a mortgage! Different lenders assess self-employed income in very different ways.

How It Works

1. Initial Assessment - We review your income and situation.

2. Lender matching - We find lenders suited to your profile.

3. Mortgage support - We help you through the application to approval.

Tired of High-Street Banks Saying 'No'? We Specialise in Mortgages for the Self Employed.

Getting a mortgage when you're self-employed doesn’t have to be difficult. Whether you're a sole trader, company director, freelancer or contractor, we help you find lenders who understand your income and can maximise how much you can borrow.

If you’ve been told “no” by a bank, or unsure how your income will be assessed, we can help you get clear answers and real options.

Not sure how much you can borrow or if you'll be approved? Get in touch to find out what’s possible based on your real self-employed income 👇

Book An Appointment

How Can We Help?

Maximise Borrowing Capacity

We understand how to present complex income in the right way to lenders, ensuring your full earnings are properly taken into account.

Flexible Income Assessment

Whether you have 1 year’s trading history or fluctuating profits, we can help. For limited company directors, we consider salary, dividends, and retained company profits.

Access to Specialist Lenders

We have access to a wide range of lenders who specialise in self-employed and complex income cases, giving you more options and better chances of approval.

What This Means For You

✅ Higher chance of mortgage approval

✅Increased borrowing potential

✅More lender options than high street banks

✅Clear understanding of what you can afford

How Much Can You Borrow?

When you're self-employed, your borrowing isn’t based on just one income figure. The way your income is assessed can make a significant difference.

We ensure lenders consider your full financial position, including:

Salary and dividends
Company profits (we can use pre or post corporation tax profits)
Retained earnings
Latest year performance
Pension contributions
Projected income

Check your borrowing power by getting in touch using the button below 👇

Check Your Borrowing Power Now

Example: Increasing Borrowing for a Company Director

A limited company owner was earning £12,570 salary and £20,000 in dividends (£32,570 total), which would typically allow borrowing of around £140,000.

However, their business made around £60,000 profit. By using a lender who considered salary plus company profits, we were able to use an income of £72,570.

👉 This increased their borrowing to around £400,000.

This shows how using the right lender and presenting income correctly can dramatically improve your borrowing potential.

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