Self-employed mortgages

Need a self-employed mortgage? You’re in the right place. We're specialist self-employed  mortgage brokers with a proven track record of making mortgages possible for people who don’t work the usual 9-5.

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With so many self-employed people in the UK, you’d think the mortgage world would keep up. Being self-employed can make getting a mortgage complicated, but it’s not impossible!

Our Mortgage Experts have a proven track record of making self-employed mortgages possible for 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. 

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.


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 for a self-employed mortgage application?

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

How are self-employed mortgages calculated?

How does bad credit affect self-employed mortgages?

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

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.

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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.
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Self-employed Calculator

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

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