SPECIALIST MORTGAGES

The bank said no.

So we said fine.

Specialist mortgages for the self-employed, the contractors, and the limited company directors. Everyone the high street stopped serving in 2008.

Fifteen minutes. No application forms. No sales pressure.

A few of the 50+ lenders we work with

+ 47 more

Best 5-yr fix today

4.09%

● Live · self-employed

✺£2.1bnlent to the self-employed ✺11,400+homes funded ✺92%approval rate ✺9 daysavg. to offer ✺4.8/5on Trustpilot ✺90+specialist lenders ✺£2.1bnlent to the self-employed ✺11,400+homes funded ✺92%approval rate ✺9 daysavg. to offer ✺4.8/5on Trustpilot ✺90+specialist lenders

HOW WE THINK DIFFERENTLY

Your bank looks at a payslip. We look at your business.

High street banks automate their mortgage decisions around PAYE salaries and three full years of accounts filed with HMRC. If you’re self-employed, the same system that serves your peers can quietly price you out for something that was never a risk in the first place.

We work with specialist lenders who assess your business on its own terms. That usually makes the difference between a no and a yes.

WHAT WE ACCEPT

What could you actually afford?

See the numbers specialist lenders could realistically offer you, based on your unique self-employed income. Not a watered-down version of it.

Based on self-employed income

Annual income £72,000

Deposit £40,000

Term 25 years

Indicative borrowing £284,000

Book a 15-min chat

Indicative figures based on a typical specialist lender model. Actual borrowing depends on your full profile.

From stuck to keys in four to six weeks.

Step one

Book a 15-minute chat.

No paperwork. No pressure. We'll tell you straight whether a mortgage is realistic for your situation.

Step two

We match you with the right lender.

We send your case to the lenders most likely to say yes, drawn from our 50+ specialist panel. Typically within 48 hours.

Step three

You get your mortgage.

Average time from first chat to mortgage offer is four to six weeks. Your advisor stays with you through exchange and completion.

Whatever "self-employed" looks like for you.

We specialise in three audiences the high street keeps getting wrong. If your setup is different, talk to us anyway.

Freelancers

Designers, developers, writers, consultants. Irregular invoices, real businesses.

How we help freelancers →

Contractors

Day-rate IT, engineering, healthcare. We know the lenders who count the whole contract, not just filed accounts.

How we help contractors →

Company Directors

Limited company owners with salary plus dividends. Retained profits that deserve to count.

How we help directors →

A RECEIPT

Three high-street lenders. Same applicant. Same week.

Halifax declined.

HSBC declined.

Santander declined.

Kingfisher 9 days.

Two years of accounts. Steady self-employed income. £42k deposit. The high street's automated checks couldn't read day-rate work. A specialist could.

£420k

Borrowed

4.09%

5-yr fix

£0

Broker fee

9 days

To offer

Marcus T. · music producer · Bristol · 2026

A recent case

How Sarah bought her first flat with 18 months of accounts.

Sarah is a freelance illustrator. She’d been turned down by her bank twice. She had £42,000 saved, a £65,000 average income, and 18 months of trading history.

We matched her with a specialist lender who accepts 12 months of accounts, ignored the “only two full years” rule she’d hit elsewhere, and priced her at 5.2% on a five year fix.

She completed on a two bed flat in Bristol 42 days after her first call with us.

£0k

Borrowed

0.0%

5-yr fix

LTV

0 days

To offer

"They read my business, not just my paperwork. I wish I'd started here."

Sarah, freelance illustrator, Bristol

Come say hi at a freelancer fair.

If you'd rather meet your advisor before booking a call, we run a stand at most UK self-employed events. No appointment needed, just walk up and ask for Amira or Tom.

MAR

Freelancer Fair

Manchester

Stand 14

MAY

UK Contractors Summit

Olympia London

Stand B7

OCT

Self-Employed Live

Birmingham

Stand 22

Stone cottage with wisteria-clad doorway in warm afternoon light, aspirational UK home ownership

Remortgage · Self-employed

Remortgage that looks past PAYE.

When your fix ends, high-street lenders want three years of salaried payslips you don't have. We work with specialists who underwrite on real self-employed income. Customers saved £2,400 a year on average moving off SVR last quarter.

One year of accounts considered
Contractor day rates and retained profits
Specialist rates not advertised on the high street

See your remortgage options → No credit check. Five-minute form.

Buy-to-let · Self-employed landlords

Buy-to-let that counts your real income.

Day rates, dividend income, retained profit. All the things your bank pretends don't exist. We work with lenders who underwrite on how your business actually makes money. From 75% loan-to-value on contractor income.

Accepted Personal name or SPV limited company

Accepted Portfolio landlords welcome (4+ properties)

Accepted HMO and holiday-let lenders on our panel

Check your BTL eligibility Rental stress-test included.

Classic London white-stucco terraced houses in soft daylight

Pimlico, three-flat conversion.

Awkward
questions,
answered.

I've been turned down twice. Can you actually help?

Probably, yes. Most of our clients come to us after at least one rejection. High street banks tend to run a single model of affordability. We work with a dozen models across the specialist market, and we know which lenders use each. Rejection at your bank is almost never the end of the story.

How much can I borrow as a freelancer?

Usually 4.5 to 5.5 times your proven income, depending on the lender and the deposit. Send us your numbers and we’ll give you a real answer on the first call, not a generic calculator guess.

Can I apply with less than two years of accounts?

Often yes. A handful of lenders accept 12 months of accounts. A smaller handful accept signed contracts with no trading history at all, particularly for professional contractors. Your first 15 minute chat will tell you which category you’re in.

Do you work with limited company directors, not just sole traders?

Yes. Directors are one of the groups high street banks treat most harshly. Their underwriting models tend to look only at salary plus declared dividends and ignore profit retained inside the company. Our specialist lenders read your full accounts, so retained profit counts toward affordability. For most directors this meaningfully raises what they can borrow.

My income varies month to month. Does that matter?

Less than you’d think. Specialist self-employed lenders look at averages and trends across 12 to 24 months, not any single month. A strong run followed by a quiet quarter is normal for freelancers and contractors, and the right lender won’t penalise it. What matters is the story your accounts tell over time.

What's your fee?

£495 on completion. Nothing if we can’t get you an offer. We also receive a commission from the lender once your mortgage completes, which we always disclose in writing before you commit to anything.

How long does the whole thing take?

From first chat to mortgage offer, four to six weeks is typical. From offer to completion depends on your conveyancer and the vendor, usually another four to six weeks. We’ll give you a realistic timeline on the first call.

What if I'm declined again?

We’ll tell you why. If it’s a fixable issue (employment history gap, a credit blip, a recent change of trading status) we help you sort it and reapply with a different lender. If it’s structural (not enough income yet, major adverse credit) we tell you straight and give you a roadmap for when to try again.

What documents will I need?

For most applications: two years of SA302s or your latest limited company accounts, three months of business and personal bank statements, photo ID and proof of address, and a CV if you’re a contractor. We send you a clean checklist tailored to the lender we’re approaching, never a generic 50-item demand.

Can we do this entirely remotely?

Yes. Fifteen-minute intro call on your phone. Everything after that by email and e-signed PDFs. Most clients never meet us in person, and it doesn’t affect the process or the rates you get. If you’d rather meet, we’ll come to a coffee shop near you, not the other way around.

Still renting because your bank said no?

Fifteen minutes. No application forms. No sales pressure. Just a straight answer to whether we can help.

Last week's call

"Two banks said no. Fifteen minutes with Kingfisher and I had three lenders who'd actually look at my day rate. Offer in five weeks."

Daniel M.

IT contractor, Manchester

The bank said no.

So we said fine.

Your bank looks at a payslip. We look at your business.

What could you actually afford?