Mortgages for Sole Traders

It is not difficult to get a mortgage if you are a sole trader. All mortgages are the same. They are just perceived to be different because income is declared differently.

The days of self-certification mortgages are no more!

Mortgages for sole traders

Lenders all have different criteria, but they don’t punish you for being a sole trader.

We have access to mortgage lenders who will accept 1 year trading accounts, with the majority requiring 2 – 3 years in self-employment.

To be successful with your mortgage application, you need to provide the following income confirmation documents from the Inland Revenue:

  • Personal Tax Calculations
  • Personal Tax Computations

Avoid disappointment

Our Specialist Mortgage Advisers will work with you to understand where you want to go and how you can get in a position of being approved for a mortgage.

Book an appointment

Get in touch if you would like to speak to one of our expert money advisers.

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Our mortgage advice service

Ready to apply for a mortgage now or at some point in the future? We’re here to simplify the whole process and make it happen:

  • We’ll compare thousand’s of mortgages from over 90 lenders to find the most cost-effective mortgage for you.
  • We’ll deal with all the paperwork and the full application process.
  • We’ll provide a dedicated point of contact & no Call Centres
  • Keep you informed as your application progresses.

Here to save you time & money


Make An Enquiry

Looking to improve your finances? Get in touch and discover how one of our personal money workout programmes can help.

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We have worked with Paul for many years when we have needed support and advice regarding our mortgage. Paul is impartial, knowledgeable, efficient and always manages to find us the best product. We have no hesitation in recommending Paul to anyone looking for mortgage advice.

Mr and Mrs FinchChorley

Paul explained the process in a way that was easy to understand, he kept in contact throughout the re-mortgage process . Paul saved me money and I’m extremely grateful for his help. A friendly, professional service with that all important personal touch.

Miss GwynneSouthport

Thanks to Paul I more or less have an interest free mortgage from the offset mortgage he arranged for me. A solution that was perfect for my circumstances and the advice was very much appreciated.

Mr PedleyPreston

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.