Check your records
Make sure tax returns, accounts and bank statements are consistent.
Moneykind mortgage guides
Self-employed? A mortgage may still be within reach.
Lenders can assess self-employed income in different ways. Preparation matters, especially where income varies from year to year.
Explore mortgage help →What you need to know
A practical UK guide to self-employed mortgages, income evidence, limited company directors and preparing an application.
Moneykind helps you make an enquiry and may introduce you to a relevant mortgage professional. Moneykind does not itself provide a mortgage recommendation on this page. Any advice and lender availability will depend on the professional and your circumstances.
Mortgage rates, fees, lending criteria and eligibility can change. Always check the full terms before making a decision.
Three practical steps
Explain unusual income
Be ready to explain one-off costs or recent changes.
Avoid assuming all lenders are alike
Income treatment can vary significantly.
Frequently asked questions
How many years of accounts do I need?
Many lenders prefer two years of trading history, although some consider shorter periods. Requirements differ by lender and business type.
How is self-employed income assessed?
Sole traders may be assessed on taxable profit. For limited company directors, some lenders use salary and dividends while others may consider retained profits or other figures, subject to criteria.
What documents are commonly needed?
Depending on your circumstances, lenders may request SA302 tax calculations, tax year overviews, accounts, bank statements and an accountant’s details.
What if my income has recently changed?
A lender may ask for more evidence or an explanation. Rising or falling profits can affect the borrowing calculation.
Ready to take the next step?
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