Self-employed mortgages

Self-employed income assessment varies by lender. We help gather SA302s, accounts and day-rate contractor evidence to present your application clearly.

SA302 and accounts guidance
Contractor day-rate specialists
Two-year vs one-year accounts lenders
Agreement in principle before house hunting

Frequently asked questions

I have only been self-employed two years—is that enough?

Often yes, with two years of accounts or SA302s. Some lenders accept one year with strong projections—we know which to approach.

What if I was declined by my bank?

Different lenders use different criteria. A whole-of-market search often finds alternatives.

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