Self-employed? We specialise in complex income. Sole traders, directors, contractors

Self-Employed · Specialist Advice

Get the mortgage you deserve

Self-employed, contractor or company director? We work with specialist lenders who understand complex income — and get you approved.

Get your quote →Call us

60 seconds · No credit check · FCA regulated

90+
Lenders
Specialist
1yr
Accounts
Expert Advice
Self-employed professional
Specialist lenders
FCA Regulated
Whole-of-Market
Fixed Fee from £495
Self-Employed Specialists
Expert Advisors

The challenge

Being self-employed shouldn't mean being rejected

High-street lenders often don't understand self-employed income. You've been rejected because they can't see past a simple payslip. But your income is more complex than that — and the right lender will see its true value.

Income Types We Handle

Salary + Dividends
Company directors
Net Profit
Sole traders & partnerships
SA302 / Tax Returns
HMRC verified income
CIS Statements
Construction subcontractors
We match your income to the right lender

How we help

Specialist matching for complex income

Understand your income

We analyse your accounts, tax returns and income structure to build the strongest application.

Find specialist lenders

We access lenders that high-street banks don't offer — ones that specialise in self-employed applicants.

Present your case

We know how to package your application so lenders see the full picture of your affordability.

Handle everything

From application to completion, we manage the entire process and chase on your behalf.

The process

How it works

1

Tell us about your business

Share your income type, business structure and what you need.

Takes 60 seconds
2

We find specialist lenders

We search across 90+ lenders including self-employed specialists.

Whole-of-market
3

Expert advice call

Your dedicated advisor reviews your options and recommends the best deal.

No pressure
4

We handle the application

We manage the entire process from submission to completion.

We handle it

Calculator

How much could you save?

Enter your current mortgage details for an instant savings estimate.

£
%
Yrs

Estimated new monthly payment

£1,161

at an illustrative rate of 4.19% (derived from BoE base rate, not an actual product)

You could save
£147 / mo
vs your current rate (£200,000 mortgage)
See my personalised deals →

This is an estimate only. Actual rates depend on your full financial assessment. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Thousands trust Remigo

Don't take our word for it

★★★★★
5 / 5
Google Reviews · Verified
★★★★★

I was dreading the process but Remigo made it incredibly simple. They found me a deal I never would have found on my own.Saved me over £200 a month

J
James Mitchell
Remortgaged · Nov 2023 · Google Review
★★★★★

As a first-time buyer I had no idea where to start. Remigo walked me through everything and made the whole thing simple and stress-free.

S
Sarah Thompson
First-time buyer · Jun 2023 · Google Review
★★★★★

I'd been rejected twice before coming to Remigo. They found a specialist lender who approved me within days. Can't recommend them enough.

P
Priya Patel
Self-employed · Oct 2023 · Google Review

Common questions

Self-employed mortgage FAQs

Absolutely. Many lenders offer mortgages to self-employed applicants. The key is knowing which lenders to approach and how to present your income. We specialise in this — it's what we do every day.
Most high-street lenders require 2-3 years of accounts. However, we work with specialist lenders who accept just 1 year of accounts, and in some cases can consider applicants with less. Your situation is unique and we'll find the right lender for you.
It depends on the lender. Some use salary plus dividends, others look at net profit, and some use a combination. We know exactly which lenders use which method and will match you with those that calculate your income most favourably.
Yes. Being rejected by one lender doesn't mean you can't get a mortgage. Different lenders have very different criteria. We've helped hundreds of previously-rejected applicants find the right lender. One rejection doesn't define your options.
Yes. CIS subcontractors are often treated as self-employed by lenders, but some specialist lenders treat CIS income differently and may offer better terms. We know which lenders are most favourable for CIS workers.
Variable income is common for the self-employed and doesn't have to be a barrier. Some lenders average your income over 2-3 years, while others use your latest year. We'll find the approach that works best for your income pattern.

Ready to get the mortgage you deserve?

60 seconds. No credit check. Self-employed specialists ready to help you today.

FCA Regulated
90+ Lenders
Fixed Fee from £495
Expert Advice

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

0330 024 2828Mon–Fri 9am–6pm · Sat 10am–2pm
hello@remigo.co.ukWe aim to reply within 24 hours
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