Self-employed
From electricians to plumbers and hairdressers to contractors, we have mortgages that can work for your clients.We offer mortgages to sole traders, Ltd Company Directors and partnerships with 2 years trading considered.

We assess self-employed applicants on their individual merits, taking a sensible view on their income and trading history.
Income requirements:
- For Limited Companies, where applicants have more than a 33% financial stake in a business, we may consider their proportion of net profit and salary over the most recent years rather than their dividend income.
- The most recent SA302 or online HMRC Self Assessment Return can be accepted showing:
- The tax calculation, showing the customer’s self-reported income and the HMRC calculation of the tax due on that income and;
- The tax year overview, showing the total tax due and how much the customer has paid in tax. - Alternatively, the latest audited accounts (prepared by a Certified or Chartered Accountant) may be accepted to determine whether the income appears reliable.
- An accountant's reference or other corroborative information may be required.
FURTHER INFORMATION
View our Lending criteria
See how much your client could borrow with our Affordability calculator
Download an Accountant's certificate form
Offset Mortgage
- Our Offset mortgage is ideal for those that have high earnings and have to put cash aside in order to pay tax twice a year. They could benefit from using this money to offset their interest payments on their mortgage.
- We are able to offer term reduction and payment reduction options on their mortgage, calculated against their savings.
Find out more about our Offset mortgages
Criteria checker
Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.
Your Local BDM:
Arif Kara
Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:
Michelle Parry-Bunter
Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
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Your Local BDM:
Nathan Waller
Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:
Grace Bennett
Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:
Darren Deacon
Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.
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Your Local BDM:
Paul Roberts
Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire & North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:
- 01372 744155
- 01372 745607
- mortgage.desk@familybsoc.co.uk
Opening hours: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon
We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.