Mortgages for freelancers

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Can I get a mortgage as a freelancer?

Yes, you can get a mortgage as a freelancer! It’s just a more complicated process compared to someone who’s full-time employed, and you’ll need to go to the right lender. That’s  because it can be harder to prove your income compared to someone who can just give a lender three months’ payslips. Often, you’ll have to jump through a few more hoops to convince lenders you should be accepted for a mortgage. Annoying! 

As a freelancer, your income isn’t as predictable as someone on a 9-5 with a single company. Sometimes it might change month to month, but this shouldn’t mean that you can’t get on the property ladder. Often, freelancers can earn MORE money than if they were on a salary, which should mean you’re more attractive to mortgage lenders. But a lot of mortgage lenders just aren’t set up to deal with complex incomes. 

But not all lenders! There are specialist mortgage lenders out there who understand freelancing and are willing to grant a mortgage to people who work in this way. Most of the specialist lenders only work through mortgage brokers, that’s why it’s a great idea to work with a specialist broker who understands your situation. Someone who does this day in, day out and knows the right lenders and mortgages suitable for you. Make an enquiry to get matched with a broker who can help you.

Got questions?

Why do freelancers find it difficult to get a mortgage?

How long do I need to have been freelancing before I can apply for a mortgage?

How much can I borrow as a freelancer?

What proof of income do I need as a freelancer?

What’s the difference between a contractor and a freelancer?

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

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.


Speak to a real person

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


Your success is our success

We only get paid when your mortgage is approved.


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 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.

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

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