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Self-Employed Mortgage Calculator

How much could you borrow?

No credit checks here! Simply fill out the information below to get your estimate!

Specialist self-employed mortgage calculators

Work out your true borrowing potential with our specialist self-employed mortgage calculators. Getting a mortgage when you’re self-employed can feel more complicated, but our tools are designed to reflect the reality of your business. Whether you're a company director, contractor, or freelancer, our calculators use specific criteria like day rates or net profit to give you a clear, accurate picture of your mortgage options without affecting your credit score.

Director Mortgage Calculator

Calculate your borrowing power using your salary and dividends or your specific share of business net profit.
Calculate Director Borrowing

CIS Mortgage Calculator

See how lenders use your gross CIS pay rather than your net profit to increase your total mortgage borrowing.
Calculate CIS Borrowing

Day Rate Mortgage Calculator

See how your daily contract rate translates into a mortgage loan amount with our specialist contractor tool.
Calculate Day Rate Borrowing

Freelance Mortgage Calculator

Find out how lenders assess your variable freelance income to estimate your maximum mortgage borrowing power.
Calculate Freelance Borrowing

Net Profit Mortgage Calculator

Use your business's retained net profit instead of drawings to maximise your total mortgage borrowing power.
Calculate Net Profit Borrowing

Foster Carer Mortgage Calculator

Estimate your mortgage potential using 100% of your fostering allowance as a valid source of taxable income.
Calculate Fostering Borrowing

Excellent

4.94 based on 154 reviews

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 8 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

No. Our calculators are designed to give you an instant estimate based solely on the figures you provide. We do not perform any credit searches, so your credit file remains completely unaffected.

If you have a mix of income – such as a part-time salary combined with freelance work – we recommend using our general Self-Employed Mortgage Calculator. It provides the most flexible estimate for combined income streams.

These tools provide a realistic guide based on specific income multiples. However, because every lender calculates “sustainable income” differently, we recommend speaking to one of our helpful advisors to confirm your exact borrowing limit.

Most lenders will eventually ask for your SA302 Tax Calculations and Tax Year Overviews for the last 1–2 years. If you are a contractor, having your current contract showing your day rate is also essential.