Can I get a mortgage if I'm self-employed?

Self-employed applicants — sole traders, contractors, freelancers and company directors — are generally assessed using accounts, tax calculations, or contract history rather than payslips.

Lenders vary considerably in how many years of accounts they want to see and how they treat retained profit or contract income, which is why shopping across the market matters.

The right approach depends entirely on your individual circumstances, which is something we'd talk through directly.