Getting a mortgage when you’re self-employed

When you apply for a mortgage, we’ll consider you to be self-employed if you have more than a 20% share of the business from which you get your main income. You could be a sole trader, a partner or director, or a contractor who has set up a limited company. As a general rule, we’ll need to see proof of your income for the past two complete tax years.

How are self-employed mortgages different to standard mortgages?

As you might not have payslips to prove your income, we’ll need to see certain documents to help us be confident that you can afford to borrow the amount you need to buy a home. We’ve outlined those documents below as a guide – but your situation is unique, so we may ask you for more documents when you apply.

What documents do I need to apply for a self-employed mortgage?

You’ll need to provide specific documents for your most recent and the preceding complete tax year for your income.