Self-Employed Mortgages

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


Mortgage Enquiries


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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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

  • Would like to start by saying that Mortgagekey are worth their weight in gold. My partner and I never dreamed of being accepted for a mortgage but th...
    Daniel Beech
  • Very efficient service and achieved what we were looking for
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  • We have been talking to Mortgage Key in regards to our first mortgage. Although we have not finished the process, we are extremely happy with the serv...
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    Mj Li
  • Excellent service, very helpful! Im a first time buyer and mortgage key helped me understand the process and explained everything to me, would recomme...
  • Having been through this process a few times, my experience with MortgageKey was excellent. Leona spent the time to understand my requirements, which ...
  • I can’t recommend this company enough. Claire was awesome in coming back to me with options and within 48hours I had a agreement in principle. Mort...
    A Patel
  • The whole process was smooth and we are very happy.
    Ian Jeavons
  • Amazing service they work hard to get you the best deal. Our case worker Leonie was fantastic. A service worth every penny. Highly recommended.
    Stephen and james
  • Fantastic service- simple to use and found us a great deal! Would highly recommend
  • I contacted you on line and found your service to be excellent, fast and efficient
  • Over the phone Application for Life insurance: agreeable member of staff, very professional, I was absolutely satisfied with the way this was conducte...
    Roxane Keabou
  • I found Linda to be highly efficient, focused & offered lots of time with explanation every step of the way. Linda worked to my pace & made herself a...
  • Very easy and accessible service. Excellent advice and knowledge. As a first time buyer the support was outstanding. The communication has been above ...
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  • Fantastic service.
  • Very friendly. Responded quickly kept us upto date all the time. Would recommend.
    Kathleen Walpole
  • Looking for a mortgage broker during the uncertainty of the pandemic was nerve-wracking. After contacting MortgageKey, I knew from the first call that...
    Roxane Keabou
  • Great service very helpful.

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