It can feel like there’s lots of hoops to jump through to find a mortgage when you’re self-employes, because of your accounts and complex income. 

So from builders to plumbers, techies to contractors, limited company or sole trader, we’ll look at the big picture. We assess every application individually and apply a bit of common sense. 

We provide the flexibility to use the highest combination of salary and dividend OR salary and share of net profit when assessing income and affordability (for those with 2 years' accounts). If you’re a self-employed contractor (with no other employees), we can also consider your affordability assessment on an employed gross income basis. These are just a few of the ways we’re making more possible for self-employed borrowers.