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 makes getting a mortgage complicated. We don’t think that’s fair. So we’ve developed a solution. 

Our platform uses a clever algorithm to match you to the perfect self-employment 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.

50% of our customers have tried to get a mortgage elsewhere. So you’re not alone. But we can help.

How it works

We know nothing replaces humans when it comes to understanding individual needs and circumstances. Not every customer is the same, so we match you with your own specialist broker, someone with a track-record of helping people in your situation. Dealt with by people, not robots.

haysto step 1, send enquiry, illustration of man sat on the floor with mobile phone
Step one

Send

Send us the details of your unique situation. It takes 60 seconds and won’t affect your credit score.
haysto step 2, searching for mortgages, illustration of mobile phone with checkboxes
Step two

Search

Our platform searches over 90 mortgage lenders to uncover the right mortgages for you. Often these aren’t available directly from lenders and only through specialist and trusted brokers.
haysto step 3, matched with broker, illustration of mobile phone with person waving
Step three

Match

Our algorithm then matches you to the perfect mortgage broker who has expert knowledge of these mortgages and proven experience in getting people just like you a mortgage.
haysto step 4, complete, illustration of keys on a keyring
Step four

Complete

Talk directly to your personal broker at any time to receive expert advice while they secure the best mortgage for you. Login to track your application 24/7.

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 for before applying for a mortgage?

What classes 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?

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

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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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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