mortgages for
SELF EMPLOYED
APPLICANTS
tell me about
Mortgages FOR THE
SELF-EMPLOYED
Mortgages for self-employed applicants are tailored for individuals who operate their own businesses and may not have a regular salary or conventional income structure.
Unlike employees who receive consistent payslips, self-employed borrowers usually need to provide alternative documentation to prove their income stability and financial reliability.
Sole Trader Income
For sole traders, we can use just one year of accounts, meaning that if you’re new to self-employment, there are still options available to you.
While lenders typically request 2-3 years of tax calculations and tax year overviews, we take the time to understand your business to match you with the most suitable lender.
Limited Company Director
For limited company directors, we also have the option to use just one year of accounts. We assess your income in two ways:
- Your share of the company’s net profit and salary.
2. Tax computations and tax year overviews – using salary and dividend
By understanding how your business operates, we can effectively position you with the right lender. Since each lender has their own criteria and products, it’s crucial that we identify the one that best suits your needs.
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"I cannot recommend RH Financial Services highly enough. Their expertise and professionalism have been a game-changer for my financial planning. From the very first consultation, it was clear that they genuinely care about their clients' financial well-being, providing personalised advice and strategies tailored to my specific needs. Their team is always responsive, patient, and willing to go the extra mile to ensure I fully understand my options. Thanks to RH Financial Services, Truly exceptional service!"
JAMES & DAN
York
