Mortgages for the self-employed, made simple
Being self-employed shouldn't make it harder to get a mortgage. We work with lenders who understand company directors, contractors, sole traders, and partnerships.
- Whole-of-market access
- Specialist mortgage advisers
- Thousands of products available
High-street lenders often apply a rigid formula to self-employed income that doesn't reflect reality. Specialist lenders, on the other hand, can consider retained profit, day rates, dividends, and shorter trading histories.
Our advisers know exactly which lenders take a common-sense view of your accounts — and how to package your application to give it the best chance of success.
How lenders assess self-employed income
- Sole traders: net profit from SA302s / tax calculations
- Limited company directors: salary + dividends, or salary + retained profit
- Contractors: day rate × contracted weeks
- Partnerships: share of net profit
How many years' accounts do I need?
Two years is the norm, but some lenders will consider just one year of accounts for the right applicant. If you've recently gone self-employed, don't assume you have to wait — talk to us first.
Getting your paperwork ready
We'll typically need your latest 2 years of SA302s and tax year overviews, business bank statements, and if you're a director, your company accounts. We'll tell you exactly what each lender wants.
Frequently Asked Questions
My accounts show declining profit — can I still get a mortgage?+
Yes, but the lender selection matters. Some lenders take the latest year, others average two or three; we'll pick one that works with your numbers.
Can I use retained profits?+
A handful of lenders will assess salary plus retained profits inside your limited company, which usually means a bigger loan than salary plus dividends alone.
Get in touch with our team
Tell us a bit about your mortgage needs and we'll guide you toward a suitable broker.
- Emailinfo@osl-fs.co.uk
- Phone+44 1952 459683
- Office11 Dinthill, Telford, England TF3 2DT, GB