Helping You Buy with a Self-Employed Mortgage

If you’re self-employed and looking to buy a home, you may have found the mortgage process more complicated than expected. That’s where we come in. As your local, qualified self-employed mortgage broker based in Teddington, we’ve supported thousands of self-employed applicants across Middlesex and South West London since 1995.

We understand the unique challenges of self-employment – from variable income to complex tax structures – and we’re here to simplify the process and find a lender who understands your situation.

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Whole-of-Market Self-Employed Mortgage Advice

As a local self-employed mortgage broker in Teddington, we’re proud to offer truly independent advice. Our mortgage brokerage works with hundreds of lenders – including those that specialise in self-employed mortgages and those not available to the public directly.

Whether you’re a sole trader, limited company director, contractor, or freelancer, our experienced team will match you with the lender most likely to approve your application – based on how your income is structured.

We’re a local self-employed mortgage advisor team that provides personal, tailored advice – not call-centre scripts or generic suggestions. You’ll deal with a dedicated advisor from day one, supported by an administrator who helps ensure everything stays on track.

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What Documents Will You Need?

Self-employed applicants are typically required to provide more documentation than salaried borrowers. Don’t worry – we’ll guide you through every step and help you gather what’s needed before any application is submitted.

Common documents lenders may request include:

SA302 tax calculations (usually the most recent two years)
Tax year overviews matching your SA302s
Business accounts,ideally dated within the last 18 months
Business bank statements, often covering the most recent three months
An accountant’s reference

These documents help lenders understand your income consistency and the health of your business. Some lenders may also take into account personal circumstances – for example, if illness or a family event temporarily impacted your ability to work, this won’t necessarily count against you.

As your self-employed mortgage broker, we’ll help present your case clearly and effectively to the lender – reducing the risk of delays or declined applications.

Being self-employed doesn’t have to be a barrier

Many self-employed people worry they’ll struggle to get approved for a mortgage – but with the right guidance, it doesn’t have to be difficult. As a specialist self-employed mortgage brokerage in Teddington, we take pride in making complex applications feel simple.

We’ll take time to understand how your income works, advise on what documents you’ll need, and find lenders that are well-suited to your situation – all while keeping the process stress-free.

From application to completion, your advisor will stay by your side, offering expert support you can rely on. We’ve built long-standing relationships with clients across Teddington, Middlesex, and the wider South West London area. Whether you’re buying in Richmond, Twickenham, Kingston, or further afield, we can help.

Tell us about your mortgage requirements

Your self-employed questions, answered

When would I be considered self employed?

You’d typically be considered self employed if you are a sole trader, a limited company director, a contractor or any other business owner or if you work on a self employed basis.

I’m a Ltd company director who takes dividends. Will lenders consider this?

Lenders can definitely consider this, they may take an average figure from your last 2 years of accounts.

For limited company directors, lenders can also consider your share of net profit for the business and your director’s salary, even if you are not taking the income from the business.

Will being self employed affect my interest rate?

As a self employed applicant you’ll be eligible for the same mortgage products that are available for employed individuals.

With that being said, different lenders have different criteria and it might be the case that you may not be able to use the same lenders an employed application would use. We will confirm this for you.

I've recently gone self-employed. Am I able to get a mortgage?

We have helped numerous people with similar circumstances, get in touch to see if we can help you too.

Start Your Self-Employed Mortgage Journey Today

We support clients across Teddington, Middlesex, and South West London with expert, independent mortgage advice. Whether you’re buying your first home, remortgaging, or moving up the ladder, we’ll help you access the right deal.

Tell us about your mortgage requirements today – and let’s get started.