Self Employed Mortgages

Getting Accepted for Self Employed Mortgages

Self-employed mortgage, a sizeable deposit

A Sizeable Deposit

The bigger the deposit you have, the greater your chances of acceptance. It will typically need to be a minimum of 10%, but you will also benefit from some significantly lower interest rates if you can raise more than that.

Accountant's Figures

Mortgage lenders will look for self-employed applicants to submit business accounts that have been put together by a qualified, chartered accountant. In this way, they can be certain of your reliability.

Self employed mortgages - showing a profit

Showing a Profit

Being self-employed, you are reliant on the success of your business to generate a regular income. That’s why lenders will want to conduct wider profitability checks to ensure that you are a worthwhile risk.

Self employed mortgages - your current age

Your Current Age

The length of mortgage term available to you and closely linked, its affordability will depend on your age next birthday. Lenders’ criteria differ, but you will need to be under the age of 75 when the mortgage term ends.

Self employed mortgages - accountants figures

Good Credit Score

Your best chance of being approved for a mortgage is with a good credit score. A clean credit file with no defaults or missed payments proves that you manage money responsibly and you are a lower risk.

Ask Us For Help

With many years of experience in sourcing mortgages for the self-employed, we are well placed to advise you on your options, then source a mortgage from lenders with the best eligibility criteria.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There is no charge for a mortgage consultation, quotations or providing an agreement in principle.  A fee of £299 is payable on submission of a full mortgage application.

The Mortgage Store (Ian Wilson) limited is authorised and regulated by the Financial Conduct Authority. Financial Services Registered number for The Mortgage Store (Ian Wilson) limited is 784801.  The Mortgage Store (Ian Wilson) limited is registered in England and Wales No: 9447172. Registered and trading address is 64 Gold Street, Kettering NN16 8JB.The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. If you contact us by e-mail, we may store your name and address to facilitate communications.

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If you wish to register a complaint, please write to Ian Wilson, The Mortgage Store, 64 Gold Street, Kettering, NN16 8JB or telephone 01536 310220. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567.