Mortgages
Your income doesn't fit a template.
That's not a problem. It just means someone needs to tell your story properly.
Free guide
The Self-Employed Lending Guide
A plain-English walkthrough of everything that matters, plus a checklist to bring to your adviser. Free, instant, no obligation.
What this is
Self-employed income is messier on paper than it is in real life. Good years, quiet years, money left in the business, expenses that make sense to you and look odd to a credit team.
We know how each lender reads self-employed income, and we present yours in a way that reflects what you actually earn.
How we help
How we get you approved.
01
We translate your accounts.
What your financials say and what you actually earn aren't the same thing. We bridge that gap.
02
We pick the right lender.
They read self-employed income very differently. That choice matters more than the rate.
03
We plan around your year.
If timing your application better means a better outcome, we'll tell you.
04
We work with your accountant.
They know your numbers. We know what lenders do with them.
Get started
Let us tell your income story properly.
Tell us a bit about your business. We'll work out which lenders will back you and how to present your income so they say yes.
No cost. No pressure. No obligation.
What it costs you
Nothing.
Free to you — we're paid by the lender once your loan settles.
Common questions
Self-employed questions, answered.
Most lenders want to see a track record, and how long varies. Some are more flexible than others. We'll tell you who fits your situation.
Usually financial statements, tax returns and bank statements. We'll give you a precise list.
It's not automatically a problem. Context matters and some lenders will hear it. We'll help you explain it.
Very common. It's about presenting it properly.
While we're at it
No sick leave, no safety net.
If you're self-employed and can't work, nothing pays the mortgage. Income protection is the fix.