We Help The Self Employed Maximise Borrowing Power and Get Approved
We help sole traders, contractors, freelancers and business owners increase borrowing and improve approval chances, even with variable income or just 1 year of accounts.
✅1 Year Trading? No Problem!
✅Fluctuating Profits? We Can Look At Latest Years' Figures
✅Limited Company? We Can Use Your Business Profits
✅Paperwork Managed
A bit about us, in numbers.
What we've arranged for our clients so far - small enough to know every name, busy enough to know what we're doing.
£383,349,630 Of Mortgage Lending
2601
Mortgage Completions
1516
Protection Policies Written
1000+
Clients
100+
Lenders & Providers
What Our Clients Say
Why Traditional Lenders Make Self-Employed Mortgages Hard (And How We Fix It)
The Tax Efficiency Penalty
💡Some lenders penalise you for being tax efficient. This can result in lower borrowing or even rejection. We take a wider view to indentify your true affordability, helping you secure the amount you need.
Limited Trading History
💡New Business? No Problem. While most banks demand 2–3 years of tax returns, we unlock options with just 12 months of trading history. We focus on your current success and future potential, so you don’t have to wait years for your home!
Too Much Paperwork
💡Skip the Document Stress. We know exactly what lenders need and take the weight off your shoulders by handling the paperwork for you. From SA302s to certified accounts, we ensure your application is "lender-ready" and perfect the first time.
We help self-employed clients across the UK, including:
➡️Limited company directors
➡️Sole traders
➡️Contractors & freelancers
➡️First-time buyers & home movers
How The Mortgage Process 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 👇
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:
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Salary and dividends
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Company profits (we can use pre or post corporation tax profits)
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Retained earnings
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Latest year performance
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Pension contributions
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Projected income
Check your borrowing power by getting in touch using the button below 👇
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.
