When you're self-employed it can feel like there's a lot of hoops to jump through to find a mortgage because of your accounts and complex income. So, from builders to plumbers, techies to contractors, whether you're a limited company or sole trader, we'll look at the big picture. We assess every application on its own merits, so we can apply a bit of common sense.

We provide the flexibility to use the highest combination of salary and dividend OR salary and share of net profit when assessing income and affordability (for those with 2 years' accounts). If you’re a self-employed contractor (with no other employees), we can also consider your affordability assessment on an employed gross income basis. Just a few of the ways we're backing self-employed borrowers.