Mortgages for sole traders and partnerships

Need a mortgage as a sole trader or partnership? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making mortgages possible for sole traders and partnerships.

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Can I get a mortgage as a sole trader?

Yes, you can get a mortgage as a sole trader!

Being self-employed can make getting a mortgage more difficult than if you were full-time employed. That’s because lenders can find self-employed incomes difficult to understand if they don’t specialise in the area. But specialist mortgage lenders and brokers who regularly make mortgages possible for self-employed people can find mortgages for sole traders, people in business partnerships and limited company directors. 

The important factor to understand is lenders will want to see proof of your income so they can offer you a mortgage. They need to know you have the funds to be able to afford to make the repayments on your mortgage.

Specialist lenders have different lending criteria. Some have flexible criteria for different kinds of self-employed people, so one lender might specialise in limited company directors, and another might have more flexible criteria for sole traders. That’s why working with a specialist self-employment mortgage broker is important. Our Mortgage Experts live and breathe the market - they'll know which lenders to approach for your unique situation.

Got questions?

How long should you be a sole trader before you can get a mortgage?

What proof of income do I need as a sole trader?

How does bad credit affect my chances of getting a mortgage if I’m a sole trader?

What’s the difference between a company director mortgage and a sole trader mortgage?

How will a lender determine my affordability as a sole trader?

What should I consider as a sole trader when it comes to income tax?

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.

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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.


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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