Mortgages
made simple for the
self-employed
Being your own boss shouldn’t make getting a mortgage harder. At Autumn Money, we specialise in helping self-employed professionals, from freelancers and contractors to company directors – secure the right deal. We understand how your income works, package your application properly, and connect you with lenders who see the bigger picture, not just the paperwork.
What is a self-employed mortgage?
A self-employed mortgage isn’t a specific product, it’s any mortgage where the applicant earns all or most of their income through self-employment. The challenge is how lenders assess your income.
Instead of relying on a payslip or salary, lenders may request:
- SA302s and tax year overviews (from HMRC)
- Full accounts (1–3 years, depending on lender)
- Accountant’s reference
- Business bank statements
At Autumn Money, we work with lenders that understand how to interpret self-employed income fairly and flexibly, whether you're a sole trader, company director, contractor, or limited company owner
Who we help
We work with all types of self-employed clients:
- Explaining how mortgages work (no jargon!)
- Sole traders (income based on net profit)
- Limited company directors (salary + dividends or retained profit)
- Freelancers / contractors (day rate or project-based income)
- Partners in LLPs or traditional partnerships
- Multiple income sources (e.g. buy-to-let + business income)
- Recently self-employed (from 1 year trading, in some cases),
How we can help you
Self-employed mortgage applications need to be carefully packaged. We’ll:
- Assess your income properly (even when lenders won’t)
- Source from mainstream and specialist lenders across the market
- Help with complex tax situations, fluctuating income, or retained profits
- Liaise directly with your accountant if needed
- Prepare your documents, explain lender criteria, and avoid delays
- Secure decisions in principle so you can confidently house hunt
We also advise on tax-efficient borrowing strategies, especially for limited company directors or those planning remortgages.
UK Case Study: Self-Employed Contractor in Bristol
Client:
IT contractor operating via Ltd company
Annual Income:
£425/day on 12-month contract
Trading History:
18 months
Property:
£375,000 purchase with £75,000 deposit
What We Arranged:
- Contractor-friendly lender using day rate x 5 days x 48 weeks
- Mortgage of £300,000 (80% LTV)
- 2-year fixed rate at 4.89%
- Offer issued in under 10 working days after packaging complete
Result:
Client secured their first home without having to rely on SA302s — the lender assessed their real earnings and the contract's strength.
Frequently asked questions
Get the mortgage you deserve
You work hard for your business. and we work just as hard to secure you a mortgage that fits. With our service, you get:
Whole-of-market access including self-employed-friendly lenders
Expert guidance on structuring your income for borrowing
A clear checklist of documents required
Help presenting your case to the lender, and getting it right the first time
Book a free consultation today and take the stress out of self-employed mortgageapplications.