Compare Best Mortgages for Self Employed

Compare specialists mortgages designed for individuals who work for themselves and more generic offers from lenders known to accept applications from self-employed people.

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2977 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Halifax 2 year fixed remortgage
Maximum LTV
60%
Initial rate
2.15% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.3% APRC
Halifax 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 5 year fixed
Maximum LTV
60%
Initial rate
2.31% fixed until 31 Aug 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% APRC
Halifax 5 year fixed
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed cashback mortgage
Maximum LTV
60%
Initial rate
2.31% fixed until 31 Aug 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% APRC
Halifax 5 year fixed cashback mortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.31% fixed until 31 Aug 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.5% APRC
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 31 Aug 2027

- then 5.00% of amount paid, until 31 Aug 2028

- then 4.00% of amount paid, until 31 Aug 2029

- then 3.00% of amount paid, until 31 Aug 2030

- then 2.00% of amount paid, until 31 Aug 2031

- then 1.00% of amount paid, until 31 Aug 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
60%
Initial rate
2.31% fixed until 31 Aug 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.5% APRC
Lloyds Bank 10 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 31 Aug 2027

- then 5.00% of amount paid, until 31 Aug 2028

- then 4.00% of amount paid, until 31 Aug 2029

- then 3.00% of amount paid, until 31 Aug 2030

- then 2.00% of amount paid, until 31 Aug 2031

- then 1.00% of amount paid, until 31 Aug 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
60%
Initial rate
2.33% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
75%
Initial rate
2.35% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.3% APRC
Lloyds Bank 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed cashback remortgage for people with an existing current account
Maximum LTV
80%
Initial rate
2.37% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
80%
Initial rate
2.37% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
60%
Initial rate
2.38% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 2 year fixed remortgage
Maximum LTV
85%
Initial rate
2.38% fixed until 31 Jul 2024
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
3.8% APRC
Yorkshire Building Society 2 year fixed remortgage
The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed cashback remortgage for people with an existing current account
Maximum LTV
85%
Initial rate
2.39% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
85%
Initial rate
2.39% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
90%
Initial rate
2.41% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.4% APRC
Lloyds Bank 2 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 2 year fixed
Maximum LTV
60%
Initial rate
2.42% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.3% APRC
Halifax 2 year fixed
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage
Maximum LTV
60%
Initial rate
2.42% fixed until 31 Aug 2024
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.3% APRC
Halifax 2 year fixed cashback mortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
75%
Initial rate
2.43% fixed until 31 Aug 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.6% APRC
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 31 Aug 2027

- then 5.00% of amount paid, until 31 Aug 2028

- then 4.00% of amount paid, until 31 Aug 2029

- then 3.00% of amount paid, until 31 Aug 2030

- then 2.00% of amount paid, until 31 Aug 2031

- then 1.00% of amount paid, until 31 Aug 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
75%
Initial rate
2.43% fixed until 31 Aug 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.6% APRC
Lloyds Bank 10 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 31 Aug 2027

- then 5.00% of amount paid, until 31 Aug 2028

- then 4.00% of amount paid, until 31 Aug 2029

- then 3.00% of amount paid, until 31 Aug 2030

- then 2.00% of amount paid, until 31 Aug 2031

- then 1.00% of amount paid, until 31 Aug 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.45% fixed until 31 Aug 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.1% APRC
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
60%
Initial rate
2.45% fixed until 31 Aug 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.1% APRC
Lloyds Bank 5 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Yorkshire Building Society 2 year fixed
Maximum LTV
75%
Initial rate
2.45% fixed until 31 Jul 2024
Subsequent rate (SVR)
4.74% variable
Overall cost for comparison
4.0% APRC
Yorkshire Building Society 2 year fixed
The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,495 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.46% fixed until 31 Aug 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.6% APRC
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 31 Aug 2027

- then 5.00% of amount paid, until 31 Aug 2028

- then 4.00% of amount paid, until 31 Aug 2029

- then 3.00% of amount paid, until 31 Aug 2030

- then 2.00% of amount paid, until 31 Aug 2031

- then 1.00% of amount paid, until 31 Aug 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
60%
Initial rate
2.46% fixed until 31 Aug 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.6% APRC
Lloyds Bank 10 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 31 Aug 2027

- then 5.00% of amount paid, until 31 Aug 2028

- then 4.00% of amount paid, until 31 Aug 2029

- then 3.00% of amount paid, until 31 Aug 2030

- then 2.00% of amount paid, until 31 Aug 2031

- then 1.00% of amount paid, until 31 Aug 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
Maximum LTV
75%
Initial rate
2.47% fixed until 31 Aug 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.1% APRC
Lloyds Bank 5 year fixed cashback remortgage for people with an existing current account
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
75%
Initial rate
2.47% fixed until 31 Aug 2027
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.1% APRC
Lloyds Bank 5 year fixed remortgage
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison4.29% APRC Representative
Initial rate2.94% fixed for 2 years (24 instalments of £829.10pm)Subsequent rate (SVR)4.53% variable for the remaining 23 years (276 instalments of £932.69pm)
Lender fee£529Total amount payable£277,850.59

Is it more difficult to get a mortgage if you’re self-employed?

Getting a mortgage if you’re self-employed can be more of a challenge as you’re less likely to have a stable income, making it more difficult for lenders to decide if you could afford the payments on a mortgage.

However, while it can be trickier, getting a mortgage is certainly not impossible if you’re self-employed – you’re just likely to need to provide more evidence of your income.   

The above comparison only includes mortgages from lenders that may accept you if you are self-employed.

It also includes some specialist mortgage deals that are designed for self-employed borrowers.

Some deals are only available through brokers, who can look at your finances and help you find a mortgage. Contact a broker if you need help comparing lenders that will accept you.

How to get a mortgage if you are self-employed

What is classed as being self-employed?

Lenders will usually view you as self-employed if you own more than 20% to 25% of a business from which you earn your primary income. You might be a sole trader, company director or contractor.

What is a self-certification mortgage? 

Self-certification mortgages, or “self-cert” mortgages, were designed to help those unable to provide proof of their regular income and were popular with the self-employed. 

However, self-cert mortgages were banned by the Financial Conduct Authority (FCA) in 2014 over concerns that borrowers were being approved for mortgages they couldn’t afford. As a result, self-employed people must now apply for a mortgage in the same way as anyone else. 

Improve your chances of being accepted for a self-employed mortgage

You can take several steps to increase your chances of getting accepted for a self-employed mortgage. These include:

  • Saving a large deposit: The larger your deposit, the smaller the risk for your lender. You could also use your equity if you already own a home and want to move house or remortgage.

  • Improving your credit record: A poor credit record makes it harder to be accepted. You can improve your credit score by checking you’re on the electoral roll, paying bills on time and correcting any mistakes on your credit report. 

  • Sorting out your paperwork: Make your personal finances and your business's financial situation as clear to your lender as possible. Get your accounts organised and up to date to prove your business is profitable enough for you to keep up with your mortgage. Ideally, your accounts should be prepared by a qualified accountant, and you’ll need at least two years’ worth.

Here is how to prove you can afford a mortgage if you are self-employed.

Do you have to pay higher mortgage rates if you’re self-employed?

Not necessarily. Mortgages that accept self-employed people are also open to everyone else, with the same interest rates. If you can provide full details about your income, have the relevant paperwork to hand, and have a good credit score, you should have access to the same mortgage rates as a regular full-time employee who earns a similar income.

How to find the best self-employed mortgage

To find the best self-employed mortgage, you will need to use the above comparison table to shop around and compare your options. You can get most types of mortgages if you are self-employed, including:

Make sure you compare both the interest rate and the fees charged. When applying, you will need:

  • Two or more years of certified accounts

  • SA302 forms or a tax year review from HMRC from the past 2 to 3 years

  • Evidence of upcoming contracts where applicable

  • Proof of dividend payments or retained profits if you’re a company director

How to pick the best type of mortgage for your circumstances

Self employed mortgage FAQs

About our mortgage comparison

Last updated: 26 January 2022

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