Mortgages
Self-Employed
Flexible mortgages for flexible careers
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Being self-employed doesn’t mean your mortgage journey has to be difficult. At Trent Finance, we specialise in helping self-employed professionals—from sole traders and company directors to contractors—secure mortgages that suit their income structure and financial goals.
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With the right preparation and guidance, getting a mortgage while self-employed can be just as straightforward as for anyone else.
Am I Eligible for a Self-Employed Mortgage?
Lenders typically ask for at least two years’ worth of accounts and SA302 (tax year overview) documents. The more evidence you can provide about your income, contracts, and financial stability, the stronger your application will be. Some lenders may also consider just one year of accounts, especially if you're working with a broker like us who knows the market.
If you own more than 20% of a business, you’re considered self-employed for mortgage purposes. That includes:
Sole traders
Company directors
Contractors or freelancers
Is It Harder to Get a Mortgage When Self-Employed?
While the process may involve a bit more paperwork, it doesn’t have to be harder. Lenders may assess your income differently and look at factors beyond your annual earnings—such as upcoming contracts, retained profits, and expenses.
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We help you prepare thoroughly by reviewing your documentation, advising on how to strengthen your application, and connecting you with lenders who understand self-employed income.
Will I Pay a Higher Rate?
Not necessarily. If you can provide clear accounts, a strong deposit, and maintain a good credit score, you’ll likely have access to the same competitive rates as employed applicants. We’ll help you find the most suitable deals on the market—without charging you any broker fees.
Get Mortgage-Ready
To maximise your chances of approval:
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Keep your business accounts up to date
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Register on the electoral roll
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Maintain a strong credit history
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Speak to us early for personalised advice
