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Self-Employed Mortgages

Sole trader, contractor, or director? We find the UK’s best self employed mortgages without the hassle.
Book your free consultation now!
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Whole of Market Broker

We are proud to have access to over 100 different lenders across the UK, ensuring we match our clients to a lender best suited to their unique circumstances.

… plus many more

What is a Self-Employed Mortgage?

A Self-Employed Mortgage is simply a home loan designed for individuals who earn their income through their own limited company, as a sole trader, or as a contractor. While mainstream lenders often complicate these applications due to fluctuating income and complex accounts, specialist advisors know exactly which providers are flexible. We focus on presenting your true affordability by understanding your specific business structure, whether you have just one year of trading history or multiple years of varied retained profits.
Book your free consultation now!
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What Our Clients Say

Most of our customers come from recommendations by our own existing customers, which is a testament to our level of service, communication and commitment to helping you obtain the right mortgage.

Karl has been amazing throughout the process of starting to look at properties, making offers and completing the applications for my mortgage, solicitors and insurances. Highly recommended – thank you Karl for all your help! :)

Carla Brimelow

My friends recommended Karl, and they were right to as I’m now recommending him to everyone else. Great guy and made things very straightforward for us in the process of buying our first house.

Edvard Calyj

I’ve been using KB Mortgage Solutions for a very long time. Always first class service – efficient and professional – highly recommend.

Hayley Henry

Can’t recommend Karl enough, he initially got me my first mortgage after years of travelling and the banks saying I’ve been off the radar. I’ve used Karl ever since, getting me the best deal at the time and sorting it out. Thanks

Chris Pendleton

Karl knows his stuff and really great at keeping you in the loop. He has made the process very easy and he is effecient.

Jessica

Helped me buy my first house. Very helpful and efficient service. Would recommend to anyone looking to get a mortgage.

Tom Sawyer

Specialist Solutions for Varied Income Structures

Getting the right mortgage when you are self-employed requires specialist knowledge that goes beyond basic salary slips. We analyse all aspects of your earnings, from company accounts and director’s dividends to retained profits and day rates. By engaging with lenders who assess affordability on a case-by-case basis and not just a standardised formula. We can often maximise your borrowing potential and secure a higher loan amount than you might achieve directly through a high street bank.

Common Questions Around Self-Employed Mortgages

How long do I need to be self-employed to get a mortgage?

Most lenders prefer two years of accounts, but we work with specialists who accept just one year's trading history, particularly if you have a strong contract or track record in your industry.

How will a mortgage lender calculate my income as a company director?

Lenders typically assess your income based on your salary plus dividends. We specialise in finding lenders who will consider retained profits as part of your total affordability calculation.

Does being self-employed mean I will pay a higher interest rate?

No. If you can provide stable proof of income and meet a lender's criteria, you will pay the same competitive rates as an employed person. Our job is to help you prove your affordability.

Why Pick Us For Self-Employed Mortgages

At KB Mortgage Solutions, we are experts in navigating the complexities of self-employed mortgages. We offer whole-of-market access, dealing with specialist lenders who look beyond your SA302 form. Our advice is fully FCA-regulated and tailored to your specific business structure (Limited Company, Sole Trader, CIS). We know how to maximise your affordability by using retained profits, day rates, or just one year’s accounts, ensuring you secure the best mortgage available.

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Free Consultation

Trading for less than two years?
Income complicated by retained profits or dividends?
Did reducing your declared income for tax make borrowing difficult?
Are you a contractor needing your day rate used for affordability?

For a completely free and confidential discussion, complete this form to send us your details. We’ll get back to you within a few hours to discussion your unique situation and how we might be able to help.

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