Self Employed Mortgage Advice in London

Finding a Self-Employed Mortgage London can be overwhelming, but Home Guru makes the process simple. Whether you’re a freelancer, contractor, sole trader, or Ltd company director, we help self-employed professionals secure the best mortgage deals in London.

We have successfully helped self-employed professionals across London boroughs, including Camden, Hackney, Islington, and Canary Wharf, gain mortgage approvals. Whether you’re based in Clapham, Tooting, or Shoreditch, our local expertise ensures we find the right mortgage tailored to your financial situation.

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How to Get a Self-Employed Mortgage London

A Self-Employed Mortgage London follows the same principles as a standard mortgage, but proving your income can be more complex. Lenders require additional documentation to assess your affordability, such as:

SA302 tax returns (last 1-2 years)
Full accounts for your business
Bank statements (personal & business)
Proof of ongoing contracts or future earnings

If you’re worried about your eligibility, our team will match you with the right lender in London based on your financial situation. We specialise in securing mortgages for self-employed individuals across South London, East London, and Central London.

Can You Get a Self-Employed Mortgage London with One Year’s Accounts?

Yes! Some lenders, like Halifax and NatWest, offer mortgages to self-employed applicants with just one year of accounts, though requirements may be stricter. We’ll guide you through the process and find the best solution for your circumstances in London’s competitive property market.

Best Lenders for Self-Employed Mortgage London Applicants

We work with leading high street banks and specialist lenders to find the most suitable mortgage options for self-employed individuals in London. Here are some top lenders and their self-employed mortgage policies:

Halifax Self-Employed Mortgages – Requires 1+ years of accounts
NatWest Self-Employed Mortgage Eligibility – Flexible lending for sole traders & company directors
Barclays Self-Employed Mortgages – Accepts dividends & retained profits

Our brokers have direct access to lender criteria in London and can advise you on the best lender for your specific situation, whether you’re applying from Westminster, Stratford, or Richmond.

Self-Employed Mortgage London Eligibility Criteria

To improve your chances of approval, lenders will assess:

Length of self-employment – Most require at least 1-2 years of trading.
Income stability – Higher deposits may be needed if earnings fluctuate.
Credit history – A strong credit score can help you access better rates.
Deposit amount – Typically, 5% is required, but lower deposit options exist.
Not sure if you qualify? We provide free, no-obligation advice for London-based applicants to help you understand your options.

Ready to start your journey? Contact us today!

How We Can Help You Get a Self-Employed Mortgage London

At Home Guru, we simplify the mortgage process for self-employed applicants in London:

We match you with the best lender in London based on your financial profile.
We help you prepare your documents to meet lender requirements.
We negotiate the best mortgage rates for London-based applicants.
We guide you through the full process from application to completion.

Even if you’ve been denied a mortgage before, we can explore alternative lenders who accept different income structures.

Explore Our Services

Discover tailored mortgage solutions designed to meet your unique needs, whether you're buying your first home, investing in property, or remortgaging for a better deal.

First Time Buyer Mortgages

Our team of mortgage brokers love helping first time buyers find the right mortgage – Find out more about our rates, deals and offers here to get you the best mortgage for your first home.

Remortgages

Whether you’re moving home or buying a new property, we offer have access to the best remortgage deals. See if you could get a lower interest rate

Buy To Let Mortgages

Our buy-to-let mortgage brokers could help you make a success of your investment, whether you’re a first-time buyer or building up your property investment portfolio.

95% Mortgages

A 95% mortgage allows you to borrow up to 95% of the value of the property you want to buy. Find out more about our rates, deals and offers here to get you the best mortgage for you.

New Build Mortgages

Looking to get a new build mortgage? Find out how on how our expert mortgage brokers can help you secure the best rates, deals and offers here to get you the best mortgage for you.

Shared Ownership Mortgages

Whether you’re moving home or Step onto the property ladder with a Shared Ownership Mortgage. Buy a share of your new home with a smaller deposit and pay rent on the rest.a new property, we offer have access to the best remortgage deals. See if you could get a lower interest rate

Right To Buy Mortgages

Looking to purchase a property under the Right to Buy Scheme? You may need the help of an expert mortgage broker in London. Find out more about our rates, deals and offers here to get you the best mortgage for you.

Mortgage Protection

we believe in protecting what matters most—your family, your finances, and your peace of mind. Our Life Insurance and Critical Illness Cover policies, sourced from the UK’s leading providers, are tailored to meet your unique needs.

Conveyancing

Buying or selling a property? Our expert conveyancing solicitors in London ensure a smooth, hassle-free process.

Our Trusted Lenders for Self-Employed Mortgage London Applicants

From fixed and variable-rate mortgages to remortgages, repayment, and interest-only options, with access to over 90 trusted lenders including Barclays, Halifax, Santander, Nationwide, Virgin Money, and more. Discover the right mortgage for you with Home Guru, where your mortgage journey begins with a friendly, welcoming touch!What sets us apart from other mortgage brokers is our commitment to providing our customers with a fee-free service.

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What Our Clients Say About Their Self-Employed Mortgage London Experience

Frequently Asked Questions About Self-Employed Mortgage London

What does a mortgage broker do, and how can Home Guru help me?

Is using a mortgage broker free with Home Guru?

Can you help first-time buyers in London?

Do self-employed people in London need a bigger deposit?

How do lenders assess my income?

Can I get a mortgage in London if my income fluctuates?

What if I have a limited company?

How can I calculate my stamp duty?

How long does it take to get a mortgage approved?

What is a Agreement in Principle in London?

A agreement in principle in London (also known as an decision in principle) is a conditional offer from a lender stating how much they are willing to lend you based on your financial circumstances. While it is not a guarantee of a mortgage, it shows sellers in London that you are a serious buyer with potential financing.

How Long Does the Mortgage Application Process Take in London?

The mortgage application process in London can take about a week, depending on the complexity of your situation and the lender’s requirements. It involves submitting documentation, undergoing a credit check, and waiting for the lender’s approval.

Do you work with buy-to-let investors in London?

Yes, we offer tailored mortgage solutions for buy-to-let investors in hotspots like Peckham (SE15) and Leyton (E10). Whether you’re a first-time landlord or expanding your portfolio, we’ll help you find the best financing options.

Why choose Home Guru over other mortgage brokers in London?

What Areas in London Do You Serve

We provide mortgage advice to first time buyers across all London postcodes, including Acton, Canary Wharf, Chelsea, Richmond, and more. Whether you’re looking to buy in North, South, East, or West London, Home Guru has local expertise to help you find the best mortgage deal. we proudly extend our expert mortgage assistance and advice across London including the following areas:

Acton W3
Barking & Dagenham IG11
Barnet EN4 & EN5
Battersea SW8 & SW11
Bayswater W2
Bexley DA5
Bexleyheath DA7
Brent Cross & Hendon NW4
Broxbourne EN10
Camden NW1
Canary Wharf E14
Canning Town E16
Chelsea SW3 & SW10
Chigwell & Hainault IG6 & IG7
Chiswick W4
Clapham SW4
Clayhall IG5
Colindale & Kingsbury NW9
Cricklewood, Dollis Hill, Childs Hill, Willesdan & Neasden NW2
Croydon CR0
Dagenham RM8, RM9, RM10
Ealing Broadway W5
Edmonton Green N9
Edmonton N9
EN6 Potters Bar
Enfield EN1, EN2 & EN3
Fulham SW6
Grays RM16, RM17 & RM20
Greenwich SE10
Hackney E8
Hampstead & Swiss Cottage NW3
Harlesden, Kensal Green & Wilesden NW9
Hayes UB3,
Herne Hill SE24
Hertford SG14
Hoddesdon EN11
Holland Park W11
Holloway N7
Hornchurch RM11 & RM12
Hornsey N8
Islington N1
Kensignton W8, W11, W14, SW5 & SW10
KIlburn, Queens Park & West Hampstead NW6
Lambeth & Southwarl SW2
Loughton IG10
Muswell Hill N10
Notting Hill W11
Peckham SE15
Purfleet RM19
Rainham RM13
Richmond TW9, TW10, TW11
Romford RM1, RM2, RM3, RM4, RM5, RM6, RM7
South Ockendon RM15
SouthGate N14
St Albans Al1
Stevenage SG1 & SG2
Stratford E15
Thamesmead SE28
Tilbury RM18
Tooting Broadway SW17
Upminster RM14
Waltham Abbey EN8 & EN9
Waltham Cross EN7 & EN8
Walthamstow E17
Wandsworth SW18
Wimbledon SW19
Woodford Green IG8

Leyton E10

What Fees Are Involved in Getting a Mortgage in London?

Common fees associated with obtaining a mortgage in London include arrangement fees, valuation fees, and legal fees. Some mortgages also have early repayment charges or exit fees. It’s important to understand all costs upfront to avoid any surprises when buying in London.