Self Employed

Whilst it may feel that being self employed will make getting a mortgage harder for you, in the UK there are now over 4 million self-employed workers - all of whom need a home! Working with the whole of the market, we can ensure the best lender for your situation is recommended.

  • We can use either salary, dividends or share of net profit (or a combination of the above) to fit your circumstances and boost borrowing ability. Even if you do not draw money from the business, these retained profits can be used towards mortgage affordability.

  • Ensure you have up-to-date SA302s (tax calculations) and Tax Year Overviews from your accountant and HMRC respectively. In the case of Limited Company directors you will also require lastest company accounts and business bank statements.

  • Less documentation is required but an up-to-date SA302 and Tax Year Overview for the last 2 years will still normally be needed.

  • Recently started a business or recently changed from sole trader to Limited Company Director? You still have some potential avenues to home ownership.

    • Regardless of your self employed situation click here to start the journey to home ownership.
    LEGAL INFORMATION

    Latitude Finance Ltd is an Appointed Representative of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981).

    There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances and will be agreed upon following your initial meeting.

    Equity Release, Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. Latitude Finance Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.

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

    Conveyancing, Wills, and some forms of Buy-to-let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.

    The guidance and/or advice contained within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK.


    © Copyright 2026 Latitude Finance Ltd

    Website by Serene Sky Software