Self-Employed
Self-employed mortgage guides for sole traders, company directors, contractors and CIS workers, including one year of accounts.
10 articles
Articles
29 min read Self-Employed Mortgage Guide 2026: Income, Accounts & Lenders
Self-employed? See how UK lenders assess your income, which accounts and tax documents you need, deposit options and steps to prepare for a mortgage.
7 min read Mortgages on a Temporary or Fixed-Term Contract
Can you get a mortgage on a temporary, fixed-term, agency or zero-hours contract? What lenders look for, the history they want and how income is worked out.
8 min read Mortgages for Complex and Multiple Incomes
Several jobs, businesses, dividends, rental or foreign income? How lenders combine complex income, what they count and how to get the most of it accepted.
9 min read Remortgaging When Self-Employed: How It Works
Remortgaging when self-employed: how lenders assess your income, the documents you need, product transfer vs new lender, timing and borrowing more.
8 min read Self-Employed Mortgage With No Accounts: Your Options
Newly self-employed with no accounts yet? The routes that can work, from contractor and CIS lending to filing early, joint applications and product transfers.
9 min read Self-Employed Bad Credit Mortgages: Your Options
Self-employed with bad credit? How lenders weigh defaults, CCJs and missed payments against your accounts, the deposit you need and how to improve your odds.
17 min read Contractor Mortgages: Income, Documents and Lender Requirements
A practical UK guide to contractor mortgages, covering day rates, umbrella pay, IR35, contract gaps, deposits, documents and the application process.
22 min read Mortgages for Limited Company Directors: The Complete Guide
How lenders assess salary, dividends and company profit, with practical guidance on accounts, deposits, credit, documents and mortgage applications.
12 min read Can You Get a Mortgage With One Year's Accounts?
Mortgage with one year's accounts? Read lender criteria, income evidence and a genuine completed high-street mortgage case.
8 min read CIS Mortgages: How Lenders Assess Construction Income
CIS mortgages explained: how some lenders use your gross CIS pay instead of net profit, the statements you need, how much you could borrow and common pitfalls.
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