Self Employed Mortgage Lenders

Mortgages that work for you when you work for yourself.

With Jones & Young, we have helped to deliver industry-leading mortgages to self-employed customers for over 10 years.

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Company Accounts

We have access to High Street Lenders that will use your share of net profits and your renumeration to calculate the amount you can borrow.

This often saves Limited Company Directors having to pay higher personal tax bills in order to secure a mortgage.

1 years accounts

Most lenders average the last 2 years accounts but there are some that use the latest years figures for affordability purposes.

If you are a newly formed company there are lenders that will accept 1 years trading history.

Salary & Dividends

The most common income evidence a company director is asked for is the the last 2 years salary and dividends of which an average is taken.

Some lenders will use the latest year which can help, or consider your company's retained profits.

CIS and Contractors

If you are in the construction industry and get paid via the CIS scheme then we can use your CIS statements as payslips. This means you can be tax efficient and still get the mortgage you deserve.

If you are a day rate contractor then we can use that daily rate rather than your taxable income.

Mark Jones

Welcome To Jones & Young Mortgages

Welcome to Jones & Young Mortgages, where your journey to securing the right mortgage as a self-employed business owner begins. With our specialist mortgage advisers at the helm, you’ll benefit from a wealth of expertise gained over decades of assisting individuals like you.

As a specialist advisers, we understand the intricacies of your unique financial situation. We fully understand how each lender differs in the way they consider your income and are able to present your income to potential lenders in the best possible way, the way we know will get the result you need. As a self employed business owner we’ll consider if its best to use salary, dividends, net profits, or retained earnings within your limited company, and we can navigate these complexities effectively. The assessment includes considerations like net profits before or after taxation for limited companies, net profits for sole traders, or if you are a contractor your daily or hourly rate.

One of the standout advantages of working with us is our access to specialist lenders who recognise the value of your retained profits as income, allowing for greater lending capacity and allowing you to remain as tax efficient as possible. Additionally, we understand that traditional lenders often require a two-year average of accounts for affordability assessment. As a whole of market broker we have a number of lenders that will allow just one year’s accounts, so even if you’ve been trading for only a year it is still possible to obtain the mortgage you deserve.

Our track record speaks volumes, successfully aiding numerous customers like you. At Jones and Young Mortgages, we pride ourselves on offering a comprehensive, independent, whole-of-market approach. We often have access to exclusive rates ensuring you can access mortgage deals you require promptly, with minimal delays, and a higher level of reliability. Your journey to securing the mortgage you deserve starts here.

10+ Years as a Mortgage Advisor

Self-Employed Mortgage Specialist

Whole of Market

As a specialist lender and self-employed mortgage broker, we see things differently, let us find the perfect mortgage for you.

Unlock The Mortgages You Deserve

With over a decade of expertise, Jones & Young Mortgage advisers specialise in assisting self-employed individuals, just like you, access the best mortgage lenders and solutions they require. If previous attempts to secure a mortgage have proven challenging, we can offer a potential solution that could make all the difference.

"Thanks Mark for doing such a great job in getting us our mortgage. It wasn't a straight forward situation and your expertise was vital in allowing us to purchase our new home."
Neil Kerr
"Mark has been great, helped me understand each stage and explained it clearly. Responds quickly. Very happy indeed and would definitely recommend!"
Sonia Hickman
"Professional and friendly, great service. Thank you for your help with my mortgage during a very challenging year."
Shahid Rahman
"As first time buyers, finding offers was incredibly tough. Richard went out to individual lenders and created a bespoke offering tailored to us. The communication was crystal clear and he was always available. Impeccable service!"
Adam West

What Are Mortgage Lenders?

Mortgage lenders are financial institutions or companies that provide loans to individuals or businesses for the purpose of purchasing property.

These loans, commonly called mortgages, are typically used to buy homes, commercial properties, or land. Mortgage lenders play a pivotal role in the housing market by offering borrowers the necessary funds to purchase property. In return, borrowers must repay the loan amount and interest over a specified period, usually spanning several years. Mortgage lenders can be banks, building societies, credit unions, or specialised mortgage companies.

What Are Mortgage Lenders
Can Self-Employed People Get A Mortgage

Can Self-Employed People Get A Mortgage?

Yes, self-employed individuals can indeed secure a mortgage, but the process may differ from that of salaried employees.

Mortgage lenders have specific requirements for self-employed borrowers to assess their eligibility for a mortgage. Unlike salaried workers who provide payslips and employment contracts as proof of income, self-employed applicants must typically provide accounts, tax returns and company bank statements.

Lenders evaluate these documents along with your personal and company credit reports to determine the applicant’s creditworthiness and ability to repay the mortgage.

Let Mark Find The Right Lenders For You

Building You a Better Tomorrow

Self-employed individuals often encounter specific challenges when applying for mortgages. Our expertise lies in simplifying this process, connecting you with a specialist mortgage lender who caters to your unique financial situation. With our guidance, you can find the right mortgage solution tailored to your self-employed income.

90-95% Loan to Value (LTV)

Explore LTV options from 90% to 95% to maximise your borrowing potential.

Trusted Advice

Receive trustworthy and clear advice to identify the best mortgage options tailored to your specific needs.


Helping customers cut through the noise makes it easier for you to understand the intricacies of mortgages.

Save Money

Discover how differences in income calculation methods can potentially save you thousands of pounds

Specialist Rates

Access the most competitive mortgage rates in the market, ensuring you secure the best-priced mortgage solutions.

Facilitating Your Homeownership Goals

Navigating self-employed mortgages can be intricate, and even some experts find it puzzling. We aim to provide swift, unambiguous, and uncomplicated guidance regarding your mortgage solution.

At Jones & Young Mortgages, we assist individuals in various circumstances as they embark on the next chapter of their lives. Whether purchasing your first home, refinancing your existing mortgage or accessing funds for home improvements or debt consolidation, we’re here to help you every step of the way.

If you would like to get more information on Self-employed mortgages, why not find out more by looking through our in-depth article: The Self-Employed Mortgage Guide: What You Need to Know

How many mortgages Jones and young have completed
Mortgage Requirements

Self-Employed Mortgage Requirements

Obtaining a mortgage as a self-employed individual involves meeting specific lending criteria to demonstrate your creditworthiness and ability to make regular repayments. Here are the key requirements typically expected by most mortgage brokers and lenders:

Self-employed applicants are usually required to provide evidence of stable income. This includes tax returns, business financial statements, and bank statements. Lenders assess your income over a longer period of time in order to determine your capacity to meet mortgage repayments.

Maintaining a good credit score is crucial. Lenders will review your credit file to evaluate your credit record. A healthy credit score can improve your chances of securing a mortgage.

While the deposit requirements vary, having a substantial deposit, usually at least 5-10% of the property’s value, can enhance your mortgage options and potentially lead to better interest rates.

With many people having more than one source of income or paid via their own company, it can be challenging for lenders to offer mortgages due to the amount varying each month. However, we have high street mortgage lenders who understands that not everything is straightforward in life and is willing to understand your unique circumstances. This can be especially helpful for self employed people, company directors, contractors and CIS workers. 

Lenders may ask for several years of business accounts and tax returns to assess your financial stability and income consistency.

Lenders will perform affordability assessments- the difference between what you have coming in to what you have going out- to ensure that your income is sufficient to cover mortgage repayments and your other financial commitments.

How To Apply For Self-Employed Mortgages

Applying for a mortgage when you’re self-employed involves several steps. Here’s a general guide to help you through the process:

Collect all required financial documents, such as tax returns, business accounts, and bank statements. Ensure they are up-to-date and well-organised.

Evaluate your financial situation to determine how much you can afford to borrow, factoring in your income, expenses, and potential deposit.

Consider seeking pre-approval from a lender to determine the amount you can borrow and demonstrate your seriousness to potential sellers.

Submit your mortgage application, including all the required documentation and financial details.

The lender will conduct a credit check to assess your creditworthiness.

The lender may arrange to evaluate the property you intend to purchase.

If your application is approved, you will receive a mortgage offer detailing the terms and conditions.

Once all legal requirements are met and funds are in place, you can proceed to complete the purchase.


Helping self-employed professionals, contractor mortgages, CIS mortgages, company director mortgages, freelancers, and small business owners navigate the mortgage process and get the best possible deal.

Your Trusted Team Of Experts

Mark Jones

Mark Jones is a professional mortgage adviser with over ten years of experience helping construction industry scheme workers get the mortgage they deserve.

Richard Young

Richard Young is an expert in helping older clients achieve better lifestyle options with the use of a lifetime mortgage and later life lending options.

Your Questions. Answered.

Below are a few common questions about self-employed mortgage lenders.

Most UK lenders prefer self-employed individuals, including individuals like a sole trader, to have a consistent income track record of at least two to three years when applying for a mortgage. However, gaining a mortgage with less than this is often still possible.

Securing a mortgage as a self-employed professional can be more challenging than for those with traditional jobs, but it’s not impossible. Most lenders may scrutinise your financial records more closely, but a stable income history can help.

Interest rates for self-employed mortgages are exactly the same interest rates as for employed persons. However, individuals may sometimes pay higher mortgage rates depending on factors like your credit score, deposit, and lender policies.

Self-employment alone doesn’t result in higher interest rates, but shopping around for the best terms is essential. At Jones & Young, we always strive to find the best mortgage for you.

For a self-employed mortgage, lenders typically require proof of earnings, such as tax returns or business accounts, for the past two to three years. Ensure you do this in good time, as HMRC can often take up to two weeks to get the forms posted to you. They may also request additional documents, like bank statements and contracts, to verify the stability and sustainability of your income. This helps them assess your ability to maintain mortgage repayments.


Helping with self-employed professionals, contractor mortgages, CIS mortgages, company director mortgages, freelancers, and small business owners navigate the mortgage process and get the best possible deal.