Find mortgage options that work with self employed income. SynergiseUK introduces you to specialist brokers experienced in securing mortgages for sole traders, limited company directors, freelancers, contractors.
Specialist Brokers Who Understand Self Employed Income
SynergiseUK is an introducer, not a mortgage broker.
We connect you with a carefully selected panel of Specialist Mortgage Brokers who provide whole-of-market access and regulated mortgage advice.
These brokers understand how different lenders assess self-employed income and can help identify the most suitable options for your circumstances.
What Are Self-Employed Mortgages?
Self employed mortgages are standard mortgage products but assessed differently to account for non-salaried income. Suitable for:
-
Sole traders
-
Limited company directors
-
Freelancers
-
Contractors
-
Partnerships
-
Small business owners
Lenders may assess income using:
-
SA302s / Tax Calculations
-
Company accounts
-
Director salary + dividends
-
Retained profits (many lenders now accept this)
-
Contract value for contractors
Key points:
-
Many lenders accept 1–2 years of accounts
-
Some lenders consider day rate calculations for contractors
-
Options available for first-time buyers, home movers, and remortgages
Use our Mortgage Calculator to estimate potential repayments.
Why Choose SynergiseUK for Self-Employed Mortgages?
-
Introduction to Self-Employed Specialists
Brokers experienced in complex income and non-standard affordability assessments. -
Whole-of-Market Access
Brokers review a wide range of lenders including high street banks and specialist providers. -
Support for Newer Businesses
Options may exist for applicants with only one year of accounts. -
Flexible Income Assessments
Brokers can identify lenders willing to consider retained profits or contract value. -
Exclusive Deals & Specialist Lenders
Some lenders offer enhanced rates via specialist brokers. -
Clear Application Support
Brokers help compile accounts, tax documents, and business evidence for lenders.
Secure a Mortgage That Fits Your Business Income
SynergiseUK introduces you to specialist brokers who understand the self-employed market and can help you secure a competitive mortgage.
Frequently asked Q&A's
No. Many lenders accept one or two years of accounts depending on the situation.
They review SA302s, tax calculations, company accounts, salary/dividends, or retained profits.
Rates are similar to standard mortgages if the income evidence meets lender criteria.
Some lenders accept one year of accounts, depending on income stability.
Yes—many specialist lenders now accept retained company profits for affordability.
Accounts, SA302s, tax year overviews, bank statements, and business details.
Yes. Some lenders use day rate or contract value rather than accounts.
Yes. Specialist brokers identify lenders comfortable with variable or seasonal income.
Not always. Deposit requirements are similar to standard mortgages.
SynergiseUK introduces you to specialist brokers who provide advice, compare lenders, and manage your application.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Get in Touch
We'd love to hear from you