Mortgages for the Self‑Employed Made Simple
Being self‑employed shouldn’t make getting a mortgage harder, you just need someone who understands how your income works.
At Well Financial, we specialise in helping sole traders, limited company directors, freelancers and contractors secure the right mortgage with confidence.
We look at the whole picture, not just one year of accounts.
Can You Get a Mortgage if You’re Self‑Employed?
Yes - absolutely. You just need the right guidance and a lender who understands your income structure.
Most lenders will consider:
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SA302s and tax year overviews
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Company accounts (1–3 years)
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Day‑rate contracts
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Retained profits (for limited company directors)
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Dividend income
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CIS statements
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Projected income (in some cases)
If your income is irregular, seasonal or complex, that’s where we shine.
What Documents Do You Need?
For Sole Traders
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SA302s (usually 2 years)
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Tax year overviews
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Business bank statements
For Limited Company Directors
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Full company accounts
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SA302s
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Tax year overviews
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Business bank statements
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Evidence of retained profits (where lenders allow)
For Limited Company Directors
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Current contract
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Previous contracts (if applicable)
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CV or work history
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Day‑rate calculation (we can do this for you)
How Much Can You Borrow When You’re Self‑Employed?
Every lender calculates income differently. Some use:
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Average of the last 2–3 years
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Latest year only
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Day‑rate × 46–48 weeks
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Salary + dividends
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Salary + retained profits
We compare whole‑of‑market lenders to find the one that treats your income most favourably.
See Your Likely Mortgage Eligibility Instantly
Our free Mortgage Eligibility Calculator gives you an instant idea of what you could borrow, without needing to share personal details or sign up. It’s fast, accurate and designed for first‑time buyers, home movers and self‑employed clients who want clarity before they apply. Use it to check your mortgage eligibility in seconds and feel more confident about your next steps.
Why Self‑Employed People Choose
Well Financial
We specialise in complex income
We understand fluctuating income, multiple revenue streams, and the realities of running your own business.
Whole‑of‑market access
We’re not tied to one lender, we find the one that fits you.
No judgement, no jargon
Just clear, supportive advice that helps you feel in control.
Free initial guidance
Ask anything. No pressure. No obligation.
Common Questions We Can Help With
I only have one year of accounts, can I still get a mortgage?
My income dropped last year, will that affect things?
I pay myself a low salary - does that matter?
How can I compare rates?
I am a contractor, how do lenders calculate my income?
Do you also offer insurance advice?
I only have one year of accounts, can I still get a mortgage?
Sometimes, yes. Some lenders accept 1 year with strong projections.
What Our Clients Say...
"What really stood out in my customer experience is that my needs were valued and the insurance offered niche to that. A really refreshing moment when we spend so much time dealing with machines and computers that say no!" ⭐⭐⭐⭐⭐
I pay myself a low salary - does that matter?
Not always. Some lenders use retained profits, not just salary + dividends
What Our Clients say...
"I secured better rates than expected, and he saved me from several potential pitfalls" ⭐⭐⭐⭐⭐
What Our Clients Say...
"her legal knowledge and insurance advice really put her a step ahead on other professionals." ⭐⭐⭐⭐⭐
I’m a contractor - how do lenders calculate my income?
Most use your day rate × 46–48 weeks. We’ll calculate it for you.
My income dropped last year, will that affect things?
It depends on the lender. Some use the latest year only; others average. We match you to the right one.
How can I compare rates?
The best way is to compare lenders based on your personal circumstances, not just headline rates. We look at affordability, fees, incentives, and how each lender assesses your application so you get a clear picture of the deals that genuinely fit you.
Do You Also Offer Insurance Advice?
Yes. Alongside our mortgage advice, Well Financial provides independent, whole‑of‑market Protection advice for clients. We support clients looking for life insurance, critical illness cover, home and contents insurance, business protection and private medical insurance, offering clear explanations, policy comparisons and guidance.
How Our Process Works
Finding a mortgage when you’re self‑employed doesn’t need to be stressful. Whether you’re a sole trader, limited company director, freelancer or contractor, we provide clear, expert self‑employed mortgage advice tailored to your income. We work with whole‑of‑market lenders who understand SA302s, company accounts, day‑rate contracts and retained profits, helping you secure the right mortgage with confidence - even if your income is complex or varies month to month.
1
Understanding Your Needs
We begin with a conversation about your goals, lifestyle and budget.
2
Document review
We check your accounts, SA302s, contracts or company records.
3
Whole‑market search
We find lenders who understand self‑employed income.
4
Application support
We package your case clearly to give you the best chance of approval.
5
Ongoing Support
We stay with you through underwriting, valuation and completion.
Get Your Personalised Mortgage Advice
Your appointment is free, confidential and completely no‑obligation.
We’re here to make the process easier.
WHERE TO FIND US:
0800 0385 556
Unit 15E Field House
Lancaster Way
Business Park Airfield
Earls Colne
Colchester
Essex
CO6 2NS
