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The Uk’s Leading Mortgage Advisors

A good mortgage deal when you are self-employed can be hard work to secure (and when you are self-employed you know the true meaning of hard work!). Active will do that legwork for you, whilst you focus on running your own business.

The Self-Employed Mortgage Guide

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Mortgage Experts - Your Guide to Affordable Loans

A good mortgage deal when you are self-employed can be hard work to secure (and when you are self-employed you know the true meaning of hard work!). Active will do that legwork for you, whilst you focus on running your own business.

Entrepreneurs and self-employed business owners are what keep this country running and our economy growing. Active do not want you to be distracted from running your business: stressing and struggling to secure a mortgage deal that reflects the work you do and the income you generate.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Let us guide you through the process

Our preparation tips for successfully applying for a mortgage if you are self-employed include:

Step 1

Prepare your certified earning reports for as far back as possible, at least two years but some lenders may ask for 5 years. So it’s best to have as many as you can. You need to show that your business is profitable.

Step 2

HMRC tax reports – for at least the last two years

Step 3

Contracts – you need to prove that your earnings will continue. Remember you are proving to a lender that your business is secure, and they can be confident in your ability to pay back the mortgage. This could potentially be more important if your business has had a slower year recently.

Step 4

Use a chartered accountant to sign off your accounts; a mortgage lender will look more favourably if you do.

Step 5

Check on your credit score and look at improving it before the application. This can be done in a number of ways: ensuring you are paying off as much credit card debt as possible; you are on the electoral roll; and paying your bills on time.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

There are no special self-employed mortgage rates available from lenders, instead it is about being able to obtain a mortgage deal, without the security of an employer confirming your income.

Use our self-employed mortgage calculator today to see how much you could borrow and what type of mortgage rate you might be able to get.

There are more steps involved in securing a mortgage when you are self-employed, but it is not impossible: a specialist self-employed mortgage adviser can take the task on for you.

Are you wondering how to get a mortgage when you are self-employed? The answer is simple: ask Active. Our expert mortgage advisers help business owners like you every day, to find the mortgage deal that you deserve. 

Self-employed mortgage lending is our speciality, and we have experts that focus exclusively on finding top notch mortgages for our self-employed clients. So, you know you are in safe hands.

7 ways

to invest in your future with a mortgage tailored to your goals

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Make your dream property a reality

Make your dream home a reality

What our customers say

Daniel Couchman
Daniel Couchman
12 January 2024
This review is long overdue - Active mortgages got us our dream home! I spoke with around 7 different brokers from different companies which didn’t know what they were talking about but then I found Simon at active - he was straight to the point and got us the best deal and the highest amount possible. I got a bit impatient at one point but that was due to the banks taking ages to process everything - active were calm and reassured us. Highly recommended. Excellent from start to finish Even sent us a gift for Xmas - thank you!
Meena Kanagavel
Meena Kanagavel
2 January 2024
Jamie Murray from Active Mortgages has been amazing in setting up the VAT loan, whilst we purchased our Land. Right from the start, Jamie has been proactive in finding the correct (BEST) deals for us and ensured everyone is aligned to complete on time.Highly recommend using Active Mortgages, and we would certainly be using them again for future projects.Thanks once again Jamie for all your support throughout Dec, appreciate your efforts in making sure our purchase was done on time. Many thanks Meena (and Mark Jones)
Stefan Stancila
Stefan Stancila
21 December 2023
Comprehensive advice from Jamie & easy communication through remortgage process . Recommend!
Yasmin Bates
Yasmin Bates
20 December 2023
Jamie has made the whole process of buying a house very straightforward, especially for self employed. Would 100% recommend and would use again too!
Gerard
Gerard
19 December 2023
Good experience, helped us every step of the way.
darren john coggins
darren john coggins
12 December 2023
Dan has been great from start to finish. As a first time buyer it can be quite overwhelming and confusing but Dan has went above and beyond. His process was very easy, efficient and we could not recommend him enough!
FUNMI AKINLAMI
FUNMI AKINLAMI
7 December 2023
Excellent service, hard working staff
akinlami akinwale
akinlami akinwale
7 December 2023
Excellent service, very patient and willing to help staff
Michael Bennett
Michael Bennett
5 December 2023
Dan has been great from the first phone call. He has made everything simple and taken the time to explain everything to me as a first time buyer, answering any questions I have along the way, highly recommend
james whitaker
james whitaker
31 October 2023
Great professional service highly recommended for anything financial
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Book a call with one of our team to talk about your requirements.