Self-employed? Speak to a mortgage adviser who understands your income.

Mortgage adviser introductions · Free service

Find an adviser who understands self-employed income

Sole trader, contractor or company director? Share a few details and we'll connect you with a mortgage adviser who can talk you through your options.

See What You Could Save →Call us

60 seconds · No credit check · Free service

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1yr
Accounts considered
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Self-employed professional at a desk
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The challenge

Self-employed income takes more explaining

Some lenders don't look at self-employed income the same way as salaried income. A mortgage adviser can review how lenders are likely to assess your accounts and identify products you may be eligible for.

Income types advisers regularly see

Salary + Dividends
Company directors
Net Profit
Sole traders & partnerships
SA302 / Tax Returns
HMRC verified income
CIS Statements
Construction subcontractors
Your adviser matches your income pattern to suitable lender criteria

How a mortgage adviser helps

Mortgage advice for complex income

Understand your income

Your adviser reviews your accounts, tax returns and income structure.

Identify suitable lenders

They identify lenders whose criteria suit self-employed income.

Present your case

Your adviser packages your application so lenders see the full picture of your affordability.

Manage the application

If you choose to proceed, they handle the application end-to-end.

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

An adviser compares the market

An FCA authorised mortgage adviser considers self-employed-friendly lenders.

Adviser-led
3

Your adviser calls you back

A regulated mortgage adviser reviews your options with you.

No pressure
4

They handle the application

If you proceed, your adviser manages the application from submission to completion.

End-to-end

Calculator

See what switching could look like

An illustrative comparison only. Not a quote and not a product recommendation.

£
%
Yrs

Illustrative monthly payment

£1,290

at an illustrative comparison rate of 5.35% (not an actual product rate)

Illustrative difference
£17 / mo
vs your current rate (£200,000 mortgage, illustrative)
Request an introduction →

Illustrative only. Not a quote, not a product recommendation, and not a guarantee of any saving. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

What people say

Reviews from customers introduced via Remigo

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

I was dreading the process but being introduced to a mortgage adviser made it incredibly simple and stress-free.

J
James Mitchell
Self-employed · Verified Google Review
★★★★★

I had no idea where to start. The adviser walked me through everything in plain English.

S
Sarah Thompson
Self-employed · Verified Google Review
★★★★★

I’d struggled previously. The adviser I was introduced to looked at my case properly and explained what was possible.

P
Priya Patel
Self-employed · Verified Google Review

Common questions

Self-employed mortgage FAQs

Many lenders consider self-employed applicants. The key is matching your income structure to the right lender criteria. A mortgage adviser can talk you through the options.
Many high-street lenders look for 2–3 years of accounts, while some specialist lenders may consider 1 year. A mortgage adviser can identify lenders whose criteria might fit your situation.
It varies by lender. Some use salary plus dividends, others net profit, and some a combination. A mortgage adviser can identify lenders whose income calculation methods are most favourable for your set-up.
Possibly. Lender criteria vary widely, and being declined by one lender does not mean you can't be considered by another. A mortgage adviser can review your situation and explain what may be possible.
CIS subcontractors are often treated as self-employed by lenders, but some specialist lenders treat CIS income differently. A mortgage adviser can identify lenders that consider CIS income.
Variable income is common for self-employed applicants. Some lenders average income over 2–3 years; others use the latest year. A mortgage adviser can match your income pattern to suitable lender criteria.

Ready to speak to a mortgage adviser?

Tell us about your situation and we’ll connect you with a mortgage adviser. No obligation.

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We work with FCA authorised mortgage advisers.

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