| starrockcoffe | Дата: Субота, 02.05.2026, 12:37 | Повідомлення # 1 |
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| Getting a mortgage when you work for yourself can feel more complex than for standard employees, but it is a common and well-established route in the UK property market. Lenders assess self-employed applicants using different criteria, mainly focusing on income stability, financial history, and affordability over time https://smartcitymortgages.co.uk/self-employed-mortgage/ . What is a self-employed mortgage? A self-employed mortgage is not a separate product but rather a standard mortgage assessed using self-employed income. Lenders typically consider income derived from sole traders, limited company directors, freelancers, and contractors. Instead of relying on payslips, they review tax returns, accounts prepared by accountants, SA302 forms, and business performance over a period of time. The main goal is to confirm that income is sustainable and sufficient to maintain repayments. Can you get a mortgage if you’re self-employed? Can you get a mortgage if you’re self-employed? Yes, but approval depends on how consistent and verifiable your income is. Most lenders prefer at least two years of accounts, although some may consider one year in certain circumstances. Strong credit history, low existing debt, and consistent earnings improve the likelihood of approval. Lenders may also average income over multiple years to reduce the impact of fluctuations in earnings.
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