The Short Answer
Yes — being self-employed doesn’t stop you getting a mortgage.
But lenders assess you differently.
What Do Lenders Look At?
Typically:
- 1–2 years of accounts
- Tax returns (SA302s)
- Consistent or growing income
What If Your Income Fluctuates?
This is common.
Some lenders are more flexible than others — which is where a broker helps.
How to Improve Your Chances
- Keep accounts up to date
- Reduce unnecessary expenses
- Maintain a good credit score
- Liaise with a mortgage adviser early to help plan ahead
Use the Right Lender
Not all lenders understand self-employed income.
A broker can match you with the right one.
Need help? Speak to Jack Gear Financial today for clear, no-jargon mortgage advice.
