Is Mortgages Finder mortgage advice?

Mortgages Finder provides general information, calculators and adviser callback options. The website content is not personalised mortgage advice.

Are calculator results guaranteed?

No. Calculator outputs are estimates only. Actual mortgage availability, rates, costs and repayments depend on lender criteria and your circumstances.

Can this page guarantee a mortgage approval?

No. Mortgage approval is never guaranteed and depends on lender assessment, affordability, credit history, property details and other checks.

Self-Employed Mortgage Calculator UK

A borrowing estimate for sole traders, contractors and Ltd company directors.

Borrowing Calculator

Estimate how much you may be able to borrow before checking repayments.

Annual income (£) Second applicant income (£) Monthly credit and regular commitments (£) Deposit (£) Dependants Employment status

Lower estimate

£—

Upper estimate

£—

Indicative property budget

£—

This is an estimate only. Lenders use their own affordability models, income treatment, credit checks, property checks and stress tests.

Use the repayment calculator next, or request a callback if you want an adviser to discuss your circumstances.

Check repayments next Request adviser callback

Using this calculator does not affect your credit score. No obligation.

FCA Introductions to FCA-regulated mortgage broker partners

1:1 One adviser or broker partner per enquiry

Secure form and consent-led data sharing

Free No obligation to proceed after a callback

Calculator results are estimates only and are for general information only. They are not mortgage offers or decisions in principle.

How lenders assess self-employed income

Sole traders — usually 2 years of SA302s plus tax year overviews; lenders often average net profit.
Ltd company directors — most lenders use salary + dividends; some specialists use salary + retained profit.
Contractors — day-rate × 5 × 46–48 weeks for specialist contractor lenders.
CIS subcontractors — some lenders use gross CIS day-rate; others fall back to net profit on the SA302.

Document checklist

SA302 or tax calculation (latest 2 years).
Tax year overview from HMRC.
Certified business accounts (last 2 years).
Dividend vouchers if Ltd director.
3 months business + personal bank statements.
ID and proof of address.
Proof of deposit.

Speak to a self-employed specialist

Self-employed cases are where a whole-of-market broker often unlocks substantially more borrowing. Request a callback.

Frequently asked questions

How many years of accounts do I need? +

Most high-street lenders want 2 years. A growing number accept 1 year if profits are strong and you have a good credit profile. Specialist lenders can go further on this.

Do Ltd directors use salary + dividends or retained profit? +

High-street lenders typically use salary + dividends. Some specialist lenders use salary + share of retained profit, which often boosts the borrowing figure.

I’m a contractor on day-rate — how is income calculated? +

Specialist contractor lenders use day-rate × 5 days × 46–48 weeks as gross annualised income, even if your accounts show lower drawings.

What documents will I need? +

SA302s + tax year overviews (sole traders), 2 years of certified accounts (Ltd), 3 months of business + personal bank statements, ID and proof of deposit.

Use the self-employed calculator Estimate borrowing from self-employed income assumptions. Read the self-employed guide Review common documents and income assessment points. Check your borrowing estimate Compare a broader borrowing estimate alongside your guide.

Built around adviser introductions

Mortgages Finder focuses on matching your circumstances with a UK mortgage adviser partner. Calculator results and guides are starting points only; any product discussion depends on your full circumstances and lender criteria.