Best Mortgage Brokers for Freelancers in England

Yes, but lenders assess applications differently for the self-employed. Most require two to three years of accounts. A specialist broker who works with freelancers will know which lenders are most flexible with recent contract history, day-rate income and gaps between contracts.

Typically two to three years of SA302 tax calculations from HMRC, corresponding tax year overviews, proof of current contracts (if contracting), three to six months of business bank statements, and ID. Your accountant and broker should coordinate to present your income in the most favourable way.

Most lenders offer 4–4.5 times your annual income. For freelancers, income is usually assessed as net profit (if a sole trader) or salary plus dividends (if operating through a limited company). Some specialist lenders use your day rate × 48 weeks, which can significantly increase borrowing capacity.