Self-Employed Mortgages UK: The High Street Says No. We Know Who Says Yes.
Most lenders ignore your retained profits and future growth. We apply forensic logic to find the lenders who understand your real earnings.
Just a few of the lenders we quote
From high street giants to specialist niche lenders.
Mortgage advice is provided by Hayden Richards, CeMAP-qualified, a Registered Individual of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 930490). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.
Do I Need a Specialist Mortgage Broker If High-Street Lenders Will Not Accept My Self-Employed Income?
Not always, but in the UK a specialist broker typically matters most when income is non-standard: limited company retained profit, one year of accounts, contractor day rates or overseas earnings. High-street lenders may apply fixed criteria; some brokers offer a comprehensive range of mortgages from across the market instead. Advice is subject to status and individual circumstances.
The Human Way to Borrow
No More Ghosting
Expert support through every stage. We stay by your side until you have the keys in your hand.
No More Jargon
Simple, clear advice for complex earnings. We speak your business language, not the bank's.
No More Rejection
Direct access to specialist underwriters who understand complex business structures.
Specialist Underwriting for Every Business Type
Minimal Salary, High Dividends
You draw £12,570 for tax efficiency, but lenders only see the salary. We use salary + dividends + retained profits.
Only 1 Year of Accounts
High street banks want 2-3 years. Our specialist panel accepts 12 months' trading history for many sectors.
Retained Company Profits
Money left in your business is lending power. We find lenders who include these profits in your affordability.
Mixed Income Sources
Part-time PAYE + side hustle? Multiple businesses? We consolidate all streams into one strong application.
Missed Payments or a Low Credit Score
A blip on your credit file doesn't automatically rule you out of a self-employed mortgage. We match you with specialist lenders who manually underwrite these cases rather than relying on automated credit scoring.
Every Self-Employed Situation, Explained
Self-employed income rarely fits one template. These are the factors that most often change what a lender will actually offer.
Retained profit
Profit left in a limited company rather than drawn as salary or dividends. Some specialist lenders can include a director's share of this profit in affordability, not just what was actually drawn.
Read moreSalary and dividends
The standard high street calculation. We explain how it's assessed, and when a lender that looks beyond it produces a materially different maximum loan size.
Read moreDeclining or fluctuating income
A weaker recent year, or a day rate that varies between contracts, doesn't have to define the case. Lenders vary in whether they average, use the latest year, or want an explanation of the dip.
Read moreRecent trading-history changes
Changed from sole trader to limited company, taken on a new contract type, or only recently gone self-employed? How lenders treat continuity of income.
Read moreRequired documents
SA302s and tax year overviews for sole traders; company accounts, accountant certificates and dividend vouchers for directors — what to have ready before you apply. Where accounts are limited, some lenders will assess bank statements as alternative income evidence instead.
Read moreAffordability calculations
How income multiples are applied to net profit, or to salary plus dividends plus retained profit for directors, and why the same income can produce very different offers.
Read moreThrough our relationship with Marklay Mortgages, enquiries can access:
Further Reading
Complex Income Mortgage Advisor: Best Options for Every Non-Standard Income Type
A complete breakdown of how specialist complex income mortgage advisors approach contractors, directors, sole traders, and multi-source earners — and which lender types fit each profile.
Ready to see what you could actually borrow?
Our Logic Check applies specialist criteria to your earnings in real-time. No initial credit check. No obligation.