The Self-Employed Mortgage Checklist

Securing a Mortgage as a Business Owner in the UK

If you're self-employed, a company director, or a contractor in the UK, you might have heard that getting a mortgage is incredibly difficult. This is a common misconception. The truth is, there are dozens of specialist lenders (and even some high street banks) who actively want to lend to business owners. The key difference is how your income is assessed and presented.

Unlike a standard PAYE employee who just needs to hand over a few payslips, a self-employed application requires a strategic approach. Some lenders will look at your salary plus dividends, while others (crucially for Limited Company directors) will look at your salary plus your share of the net profit before tax—which can significantly increase your borrowing capacity.

I'm Phil, and I specialise in mortgages for the self-employed. I've designed this interactive checklist to help you prepare the key documents lenders will want to see. By having your accounts and bank statements prepared early, we can confidently secure the very best rates for your specific trading style.Your progress saves automatically!