Self-Employed Mortgages

YOU WORK HARD,
YOU EARN GOOD MONEY

There are over five million self-employed people in the UK, so you’d think it’d be easy to get a mortgage! But being self-employed often makes getting a mortgage complicated. But it’s not impossible! That’s why we developed a simple solution. 

Our platform uses a clever algorithm to match you to the perfect mortgage broker for your unique situation. Someone who’s up for the challenge, and has a proven track record of making mortgages possible for self-employed people just like you.

Can I get a mortgage if I’m self-employed?

Yes you can absolutely get a mortgage if you’re self-employed! It can just be more difficult compared to an employed person because you have to prove you have reliable, and stable earnings. But if you can afford the repayments, you still have the same right to get a great mortgage deal like everyone else. It can just be trickier to find the right lender and get your paperwork together, that’s all. 

Depending on your situation, you can get a great deal and great rates. If you’re self-employed and want to know how much you could borrow on a mortgage, then use our Self-Employed Mortgage Calculator

Being self-employed can fall into many different categories; freelancer, contractor, sole trader or maybe even a company director. There’s a few different factors to consider depending what kind of self-employed category you’re in. But lenders will categorise you as self-employed if it’s your main source of income, or you own more than 20 to 25% of a business. 

A lot of the high street banks and mainstream lenders have really rigid criteria when it comes to who they’ll lend to. Lots of people are ditching the 9-5, but the banks haven’t kept up with these changing work habits. The good news is there’s specialist lenders out there who deal specifically with self-employed mortgages, and will consider your individual circumstances when you apply for a mortgage. We only deal with the stuff that isn’t straightforward, and we have a great track record of making mortgages possible for self-employed people just like you.

GOT QUESTIONS?

Here’s a few frequently asked questions about self-employment mortgages.

Why do people who are self-employed often face difficulties getting a mortgage?

What are the different types of self-employment?

How long do I need to have been self-employed before applying for a mortgage?

What counts as self-employed income?

What does the eligibility criteria look like for someone who’s self-employed?

What documents do I need to apply for a mortgage when I’m self-employed?

How much can a self-employed person borrow on a mortgage?

How are self-employed mortgages calculated?

How does a bad credit history affect a mortgage application for someone who is self-employed?

Can I get a mortgage with no proof of self-employment income?

What mortgage deposit do I need if I’m self-employed?

Can I self-certify my income if I’m self-employed?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story
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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

We only get paid when your mortgage is approved.

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.
Our calculators

Self-employed Calculator

See how much you could be able to borrow by using our self-employed calculator.

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Get connected to a specialist self-employment mortgage broker who can make a mortgage possible for you.

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