You run the business. We'll sort the mortgage.
Sole trader, partnership or limited company director — we present your income the way the right lender wants to see it, and liaise with your accountant so you don't have to.
Running a business is hard enough. Getting a mortgage shouldn't be.
Working for yourself doesn't make you a worse borrower — it just makes your income harder for some lenders to read. That's a matching problem, and matching is what we do.
We work with more than 50 lenders, from the high street to the specialists, and the differences between them matter enormously when you're self-employed. Some will lend with only one year's accounts. Some assess directors on salary plus dividends; others on salary plus net profit, which can suit you far better if you leave money in the business. For growing firms, some will work from the latest year's profits and projections rather than an average of leaner early years — and some can consider director lump-sum pension contributions when weighing affordability.
The paperwork is where most self-employed applications wobble, so we take it off your desk. We'll liaise directly with your accountant for the documentation and references lenders need, and if you manage your own self-assessment we'll help you assemble the right evidence. It's part of why local accountants frequently recommend their clients to us.
Buying, remortgaging, or releasing equity for home improvements, debt consolidation or the business itself — we'll handle it by phone, video or across the desk on King Street, and we can often secure an agreement in principle in less than 24 hours. What began as local advice in Lancaster and Morecambe now serves self-employed clients across the UK.
Your first conversation is free, and there's no obligation. See how it works
Sole trader or director — how lenders see your income.
Both routes get mortgages every day. The difference is what counts as "income" — and which lender is doing the counting.
| Sole trader or partnership | Limited company director | |
|---|---|---|
| Income assessed on | Net profit, from your self-assessment tax calculations | Salary plus dividends — or, with some lenders, salary plus your share of net profit |
| Money left in the business | Doesn't really arise — your profit is your income | Some lenders consider retained profit rather than only what you draw, which can make a real difference |
| Paperwork lenders want | Tax calculations and year overviews — some lenders accept just one year's figures | Company accounts and tax calculations — we'll liaise with your accountant directly |
| If the business is growing | Some lenders will work from your latest year rather than an average | Latest year's profits — and projections — can be considered by some lenders |
How it goes from here.
You and the business
A relaxed conversation about how the business runs, how you pay yourself, and what you're planning.
Research
We search the whole market — and talk to your accountant — for the lender whose criteria fit how you actually earn.
A clear recommendation
A written recommendation in plain English, then we handle the application and the paperwork.
Questions we hear from business owners.
How many years of accounts do I need?
Not always the two or three you might have been told. Some lenders will work from just one year's accounts or tax calculations — useful if your business is newer. If you manage your own self-assessment, we can help you pull together the documentation lenders want to see.
I'm a company director — is my income just salary plus dividends?
Not necessarily. Many lenders assess salary plus dividends, but some will consider salary plus your share of the company's net profit instead. If you deliberately leave money in the business, that second approach can reflect your true earnings far better.
My business is growing fast — will lenders only look backwards?
Not all of them. For growing businesses, some lenders will work from your latest year's profits, and projections can be considered too, rather than averaging over older, leaner years. It's one of the places the right lender choice matters most.
Do pension contributions affect what I can borrow?
They can be handled more sympathetically than you might expect. Some lenders will take a director's lump-sum pension contributions into account when assessing affordability, rather than simply treating them as money that's gone.
Will you deal with my accountant?
Yes, happily. We liaise directly with accountants to obtain the documentation and references lenders need, which streamlines the whole process. We've worked with many respected local accountants over the years, and they frequently recommend clients to us.
How quickly can I get an agreement in principle?
Often in less than 24 hours. That means you can make offers with estate agents and move forward with confidence, rather than waiting while your paperwork does the rounds.
Can I remortgage or raise capital while self-employed?
Yes. Whether you're after a better deal, want the certainty of a fixed payment, or would like to release equity for home improvements, debt consolidation or business purposes, we'll search the market and set out the options plainly.
Thirty minutes of your time. The rest is on us.
Tell us a little about the business and what you're planning, and we'll come back to you within one working day. No hard sell, no obligation, no jargon.