Self-Employed Mortgages

It's now easier than ever to get a mortgage when self-employed

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Mortgage Enquiries

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Mortgages Accepted

Being self-employed should not limit your mortgage options

As long as you can prove you have the income to make the mortgage repayments, your chances of borrowing are as good as anyone else’s.

Our team are ready to find you the most suitable deal.

Why Choose MortgageKey for Self-employed Mortgages

We know the market

Our team’s knowledge of the self-employed mortgage market, and excellent relationships with lenders, ensure you get the best offers

Thousands of deals considered

We research and compare thousands of self-employed mortgage deals to ensure we can tailor a deal suited to you

We’re completely independent

We’ve no tie-ins with certain lenders. As we’re fully independent and unbiased our focus is solely on finding the best option for you.

Pay nothing until completion

With no obligation on the offers we secure, we don’t ask for any payment until your self-employed mortgage deal is complete

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Self-employed Mortgages – Your Questions Answered

To be deemed self-employed, it means you will own 25% or more of a business. If you are in a partnership or a sole trader, your lender will view you as being self-employed.

The good news is that the market is improving and more and more self-employed people are being approved mortgages.

Can I get a mortgage when I am self-employed?

Yes you can, but with self-employment rising in recent years, and your long-term financial position perhaps less certain than those working as employees, you’ll need to meet certain criteria.

As a general rule, lenders are simply looking for evidence of reliable earnings and regular records of your income. Crucially, they need to be confident that you can sustain your current level of income in the years to come.

What financial details must I have for a self-employed mortgage?

Typically lenders will look for you to have two years’ worth of accounts and tax returns. In some cases, you might need to provide up to three years’ worth.

Being able to prove that you have an income plentiful enough to make the necessary repayments is crucial, so a solid track record of regular contract work may be to your advantage.

If you're a contractor, you may have to evidence future work, to show that your level of income will be sustained. Some might want to see a projection of your future earnings in the form of upcoming contracts.

Will my mortgage options be limited because I am self-employed?

At MortgageKey we find that the majority of lenders work under the impression that being self-employed should not limit the mortgage options available to you. Most lenders will gain you access to a range of mortgage deals which include fixed, variable and tracker mortgages. And, as we can compare and search through thousands of self-employed deals from leading providers on your behalf, we’ll be able to find an offer best suited to your circumstances.

How can I improve my chances of getting a mortgage?

Like in any mortgage, the bigger deposit you can initially put down the better. You could also perform a credit check on yourself to ensure everything is as it should be beforehand.

Seeking the advice of an experienced and respected mortgage broker like MortgageKey beforehand will also ensure you are advised on any further steps you should take, whilst they will also research and find the most suitable deals.

What our clients are saying

  • Very pleased all staff very helpful. would use again.
    andrew richards
  • excellent service megan was a delight to deal with
    NEIL S
  • easy and very quick,got a good deal thanks
    Mr Whiting
  • Excellent service..
    Olalere
  • I really cannot fault Mortgagekey at all. From start to finish the staff were helpful and gave good advice, as well as keeping me updated with regard...
    marie baldwin
  • Really great efficient service with great product sourced
    Claire Parker
  • We had difficulty obtaining and mortgage and further difficulty completing our remortgage but Mortgage Key supported us every step of they way. They ...
    Laura-Joy Tallett
  • First class,quick,efficient and friendly.
    Paul Galluccio
  • Lots of communication throughout, very efficient company.
    Billy
  • Mortgagekey were fantastic in helping me and my partner with securing mortgage on our new home. Georgia Hardcastle was superb from professional point ...
    Mr T
  • Very fast efficient service
    David
  • Karl Rayne was excellent, he found me a super deal and kept me up to date at every step of the way. Thanks.
    Nicole Varwell
  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • Efficient , great customer service and an easy process.
    Leila
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
    Amy

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