Whether your client is a sole trader, limited company director or in a partnership, we have a mortgage that can work for them.

We understand it can be difficult for your self employed clients, who have been trading for a limited time, to find a lender that truly understands their needs. That’s why we assess self employed applicants on their own individual merits, taking a sensible view on their income.

Support for the self employed

• We offer the same competitive mortgage products regardless of how your clients are employed.
• We will consider a minimum of two years trading history when assessing affordability.
• For limited companies, where your client has more than a 33% financial stake in the business, we may consider their proportion of net profit and salary over the most recent years rather than their dividend income.
• With our common sense approach, cases are individually assessed by our team of experienced underwriters.