Self-employed mortgages
Self-employed mortgages aren’t a separate type of product, they’re standard mortgages with a more detailed income assessment. Whether you’re a sole trader, company director, freelancer or contractor, lenders will need more evidence to verify your earnings, which can make the process feel more complex.
Common Challenges
Why Getting a Mortgage Can Be Tougher When You’re Self-Employed.
Lenders often apply stricter criteria for self-employed applicants. You may encounter:
Irregular or fluctuating income
A short trading history (especially under 2 years)
Complicated accounts that don’t reflect your true earnings
Limited access to high street lenders without advice
Who Qualifies?
Each lender has their own rules, but typically you’ll need:
1–3 years of accounts or SA302s/tax year overviews
Evidence of steady or increasing income
A good credit score
Documents that demonstrate business sustainability
Signed future contracts (for contractors and freelancers)
We’ll help you understand exactly what’s required and guide you in preparing a strong application.
Why Us
At Zelus Mortgage and Finance, we work with lenders who understand self-employment. Our expert advisers will:
Recommend lenders that assess your income fairly
Help you present your finances clearly and accurately
Access specialist deals you won’t find on comparison sites
Support you throughout the application, from start to approval
We make the process easier, clearer, and fully tailored to your circumstances.
Start your Journey
Your business is unique and your mortgage should be too. Start your journey today with expert, independent advice built around your self-employed lifestyle.