Self-Employed Mortgages: Your Income Structure Shouldn't Hold You Back.
Sole trader, director or contractor, every lender assesses your income differently. Access over 100 lenders, including self-employed specialists, with expert guidance tailored to how you earn.
Your home may be repossessed if you do not keep up repayments on your mortgage.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
What is a Self-Employed Mortgage?
A self-employed mortgage is a home loan for people who earn their income through a limited company, as a sole trader, or as a contractor. Mainstream lenders often complicate these applications due to fluctuating income and complex accounts. At KB Mortgage Solutions, we focus on presenting your true affordability by understanding your specific business structure, whether you have one year of trading history or several years of varied retained profits.
Income Maximised
We identify lenders who use the most favourable calculation for your business structure - salary plus dividends, net profit, or retained profits.
Application Packaged
Self-employed applications need careful preparation. We ensure your accounts, tax returns, and supporting documents are presented exactly as the lender requires.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Self-Employed Situations We Cover
Every self-employed applicant is different. We assess your business structure, trading history, and income pattern to match you with the right lender. Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and how your income is structured.
Limited Company Directors
Some lenders use salary plus dividends only, while others include retained profits. The difference in borrowing capacity can be significant — we find the calculation that works best for your accounts.
Sole Traders
Your net profit from your SA302 is the key income measure. Some lenders average two or three years, others use the latest year — we match you with whichever is more favourable.
Contractors (Day Rate)
Specialist lenders can calculate affordability based on your day rate and contract length rather than tax returns. This often produces a significantly higher borrowing figure.
CIS Subcontractors
Some lenders treat CIS income as employed, others as self-employed. We know which lenders offer the best terms for CIS workers and what documentation they need.
One Year's Trading History
Most high street lenders require two to three years of accounts. Some specialist lenders accept one year, subject to a strong income and satisfactory credit profile.
Mixed Income (Employed + Self-Employed)
Not all lenders use both income sources. We find lenders who combine your employment and self-employment income to maximise your total borrowing.
Your home may be repossessed if you do not keep up repayments on your mortgage.
When Should I Apply as a Self-Employed Borrower?
Timing matters when you're self-employed — your most recent accounts and tax returns directly affect what you can borrow.
- ✓Most lenders require your latest SA302 or accounts to be no more than 18 months old — we advise on the best time to apply
- ✓If your latest year is stronger, certain lenders use that year only rather than averaging — potentially increasing your borrowing
- ✓Applying to the wrong lender wastes time and leaves a hard search on your credit file — we match you correctly first time
- ✓As your business grows, we remortgage you onto better rates free through our Life-Time Guarantee (subject to terms)
Your home may be repossessed if you do not keep up repayments on your mortgage.
High Street Bank vs Specialist Broker
A clear side-by-side comparison
| Feature | High Street Bank | KB Mortgage Solutions |
|---|---|---|
| Income Assessment | Salary + dividends only (typically) | Best calculation for your structure |
| Trading History | 2–3 years usually required | From 1 year with specialist lenders |
| Retained Profits | Often excluded | Included where lender allows |
| Contractor Day Rates | Rarely accepted | Specialist day-rate lenders accessed |
| Application Packaging | Self-managed | Fully prepared and managed |
| Future Remortgage | Standard fees apply | Free via KB Guarantee† |
KB Property Life-Time Guarantee is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask for full details.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online