Self-Employed Mortgages
Tailored Advice for Business Owners and Freelancers
Getting a mortgage when you’re self-employed doesn’t have to be difficult—if you work with the right broker. At Alphakey Mortgages, we help self-employed individuals across the UK secure mortgage deals that reflect their true income and financial position.
Whether you’re a sole trader, company director, contractor, or freelancer, we provide whole-of-market access and specialist knowledge to help you find a mortgage that fits. Our advisers understand the nuances of self-employed income and will guide you from initial assessment through to application and approval—without the stress.
Self-Employed Mortgage FAQs
Can I get a mortgage if I’ve only been self-employed for 1 year?
Some lenders require two or more years of accounts, but there are providers who will consider just one year’s trading history. We’ll advise you on your eligibility.
What documents will I need?
Most lenders require 1–3 years of SA302s, tax year overviews, and/or full accounts. Company directors may also need salary, dividend, or retained earnings information.
Do I need a bigger deposit if I’m self-employed?
Not necessarily. If your income and credit profile are strong, you may be eligible for the same deals as employed applicants with similar deposits.
Will my mortgage options be limited?
No—as a whole-of-market broker, we search the entire market to find lenders who are flexible with self-employed income and documentation.
Can I remortgage or move home if I’m self-employed?
Absolutely. We help many self-employed clients remortgage for better rates or move home. We’ll structure your application to meet the lender’s requirements.
Some lenders require two or more years of accounts, but there are providers who will consider just one year’s trading history. We’ll advise you on your eligibility.Most lenders require 1–3 years of SA302s, tax year overviews, and/or full accounts. Company directors may also need salary, dividend, or retained earnings information.Not necessarily. If your income and credit profile are strong, you may be eligible for the same deals as employed applicants with similar deposits.No—as a whole-of-market broker, we search the entire market to find lenders who are flexible with self-employed income and documentation.Absolutely. We help many self-employed clients remortgage for better rates or move home. We’ll structure your application to meet the lender’s requirements.
Why Choose Alphakey for Your Self-Employed Mortgage?
Understanding of Complex Income
We work with lenders who are experienced in assessing self-employed income using SA302s, tax returns, company accounts, dividends, and retained profits.
Whole-of-Market Access
You’re not limited to one bank’s criteria. We compare the full UK mortgage market to find the most suitable lender for your unique situation.
Support for All Business Structures
Whether you’re a sole trader, LLP partner, or limited company director, we can match you with lenders who understand your income model.
Fast, Efficient Process
Skip the back and forth. You’ll speak directly with a qualified adviser who’ll help prepare your documents and keep your application moving quickly.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Residential Mortgages
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages
Specialist Lending
We offer flexible lending solutions for unique situations
Specialist Lending
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Mortgage Protection
Life Insurance
Protect your family’s future, no matter what.
Life Insurance
Insurance & Protection
Personalised cover for life, income, health, home, and more.
Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.