Self Employed Mortgages
When you’re self-employed, securing a mortgage shouldn’t feel harder - it should simply be handled by someone who understands your business. At CP Mortgage Solutions, we provide independent advice and access to over 180 lenders, helping self-employed clients secure mortgages with confidence.
Tailored Support for Self-Employed Professionals
Being self-employed offers flexibility and control, but it can sometimes make mortgage applications feel more complex. That’s why working with a broker who understands the unique needs of business owners truly matters.
We specialise in helping:
- Sole traders
- Limited company directors
- Partners in LLPs
- Contractors and freelancers
- Individuals with multiple income streams
We take the time to understand your trading history, the structure of your income, and your long-term plans before finding lenders whose criteria align with your situation.
Helping You Present Your Income Clearly and Confidently
Different lenders assess self-employed income in different ways.
We’ll walk you through what they’re looking for, including:
- How they assess profit, dividends, and salary
- What documents you’ll need (e.g., SA302s, tax calculations, accounts)
- How many years’ trading history is required
- How to strengthen your application
- How to maximise your borrowing potential
Our goal is to make things simple, transparent, and stress-free - giving you a clear understanding of your options while we do the complex work behind the scenes.
Proactive Guidance to Avoid Delays
Self-employed applications often require more detail, but they don’t need to be complicated.
We proactively identify potential hurdles early on, ensuring your documents are clear and your affordability is presented accurately before a lender sees it. This helps prevent delays, reduces back-and-forth requests, and keeps your application moving smoothly.
With us, being self-employed doesn’t make things harder - it simply means we work smarter on your behalf.
Self-Employed Mortgage FAQs
1. How many years of accounts do I need for a self-employed mortgage?
Most lenders ask for 2 years of accounts or tax returns, but some accept 1 year depending on circumstances. We’ll guide you to lenders whose criteria fit your trading history.
2. Can I get a mortgage if my income varies month to month?
Yes. Many lenders understand fluctuating income and assess your average earnings over 1–3 years. We’ll help present your income clearly and accurately.
3. What documents do I need as a self-employed applicant?
Usually SA302s, tax year overviews, business accounts, bank statements, and proof of ID/address. We’ll explain exactly what’s needed for your specific situation.
4. Do lenders treat limited company directors differently?
Some assess salary + dividends; others consider retained profits. We’ll identify lenders that offer the most favourable approach based on how your business operates.
5. Can I get a mortgage if I run more than one business?
Yes - as long as your income is consistent and verifiable. We help organise your documentation so lenders can clearly understand your full financial position.
