When you apply for a mortgage, you will be considered to be self-employed if you have more than a 20% share of the business from which you get your main income. You could be a sole trader, a partner or director who has set up a limited company. As a general rule, lenders will need to see proof of your income for the past two complete tax years.
Whether you have an accountant or are self-assessed, we can let you know what you borrow based on your individual circumstances.
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Your home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Think carefully about securing other debts against your home. Will writing, commercial mortgages and some forms of buy to let mortgages are not regulated by the Financial Conduct Authority. The material on the site is the copyright material of Mortgage Saving Expert. You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use Mortgage Saving Expert content in any way except for your own personal, non-commercial use. Mortgage Saving Expert does not accept any liability for your reliance upon, or any errors or omissions. Any other use of Mortgage Saving Expert content requires the prior written permission of Mortgage Saving Expert. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. By contacting us through this website, you consent to our privacy policy. The output from the borrowing and repayment calculators are indicative only and may not represent the exact amount you can borrow or the actual cost of a loan you might be offered by a lender. These calculators should not be relied upon and are to be used as a general guide only. Although we do not charge a broker fee for our advice, we may receive commission from the lender. Mortgage Saving Expert is a trading name of Mortgage Saving Expert (2023) LTD, an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. Registered office: 57 The Croft, Trowbridge, Wiltshire BA14 0RN. Registered in England. Company number 15088781. FCA number 1004178.
