Self-employed mortgages

As a sole trader, proving your income to a lender can feel like a moving target. Different lenders looks at your figures differently — some focus heavily on your latest year, others average multiple years, and some take a strict view on fluctuations, expenses, or how your accounts have been structured.

This is why some applications hit problems. One year of trading, a dip in profit, higher expenses one year, reinvestment back into the business, or a recent shift in how you operate can all cause lenders to pull back. Choose the wrong lender and you can end up declined, offered far less than you expected, or stuck with a result that doesn’t reflect the strength of your business — not because you’re not earning enough, but because your income wasn’t understood properly.

We specialise in complex mortgages including helping sole traders secure the best possible mortgage for their circumstances. We work with complex income cases every day, so we know exactly how different lenders assess self‑employed income, what they will and won’t accept, and how to present your figures in a way that shows the true health of your business.

You get clear, tailored advice from someone who understands how your income really works. No stress, no guesswork, and a mortgage that reflects your actual earning power.

Your home may be repossessed if you do not keep up repayments on your mortgage.

07813767348

david@tiptopltd.uk