Just Mortage Brokers logo

MORTGAGE BROKERS
Mortgages
Calculators
Resources
Get Started
01473 356 284

Search our site

Close

Self-Employed Mortgage Calculator

Self-employed? Your mortgage advice made simple.

  • Self Employed Specialists
  • Free, no obligation initial consultation
  • Exclusive Rates
  • Hundreds of 5 Star Reviews

Discover your borrowing power with NO credit checks, only takes a few minutes!

See what's possible
Get guided help

Self-Employed Mortgage Calculator

Self-employed? Your mortgage advice made simple.

  • Self Employed Specialists
  • Free, no obligation initial consultation
  • Exclusive Rates
  • Hundreds of 5 Star Reviews

Discover your borrowing power with NO credit checks, only takes a few minutes!

See what's possible
Get guided help

How much could you borrow?

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

Our self-employed mortgage guides

Getting a mortgage when you’re self-employed can feel more complicated, but it doesn’t have to be. Our guides cover everything from proof of income to specialist options for freelancers, contractors, and company directors, helping you understand lender requirements and improve your chances of securing the right mortgage deal.

6 mins

Self-employed mortgage guide

Understand how self-employed mortgages work, what lenders consider, and the documents needed to successfully apply when running your own business.
Read the guide

6 mins

Self-employed with bad credit?

Even with poor credit, self-employed applicants can qualify; learn what lenders assess and steps to improve your chances of mortgage approval.
Read the guide

8 mins

Proving your income

Learn which documents lenders require to verify income when self-employed and how to present them effectively for mortgage approval.
Read the guide

5 mins

Mortgages for CIS workers

CIS mortgages let subcontractors prove income with gross payslips instead of full accounts, making mortgage approval more straightforward.
Read the guide

6 mins

IT contractor mortgages

Some lenders assess IT contractors differently, using contracts or alternative income evidence to match mortgage options to work patterns.
Read the guide

9 mins

Company director mortgages

Directors of limited companies can face mortgage challenges; learn what lenders require and how to improve approval chances.
Read the guide

5 mins

Mortgages for doctors & GPs

Doctors and GPs can access tailored mortgage deals; understand lender requirements and how to secure the most suitable mortgage.
Read the guide

4 mins

Mortgages for foster carers

Many lenders don’t count the full fostering allowance as income, but specialists may do, making tailored advice essential for securing suitable a mortgage.
Read the guide

5 mins

Mortgages for freelancers

Freelancers often face extra scrutiny due to variable income; specialist lenders may offer flexible options, making clear records & advice key to approval.
Read the guide

19 mins

Mortgages for professionals

Professionals with variable incomes can still access mortgages; understand lender requirements and strategies to increase chances of approval.
Read the guide

11 mins

Mortgages for sole traders

Lenders assess sole traders and partnerships using business accounts or SA302s, with borrowing based on net profit or share of profits.
Read the guide

2 mins

Mortgages for taxi drivers

Taxi drivers with fluctuating incomes can still apply for mortgages; understand what lenders require to assess earnings.
Read the guide

6 mins

Mortgages with 1 year's accounts

Learn how to get a mortgage with only one year of accounts, what lenders typically consider, and how to improve approval chances.
Read the guide

4 mins

Mortgages with complex incomes

Applicants with complex or irregular incomes may need to show multiple income sources, with lenders reviewing each to calculate borrowing capacity.
Read the guide

11 mins

Zero hour contract mortgages

Zero-hours workers have variable income, and some specialist lenders, plus a few mainstream ones, consider this for mortgage applications.
Read the guide

Excellent

4.94 based on 152 reviews

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!

Read the full review

United Kingdom, 2 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

Read the full review

United Kingdom, 2 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.

Read the full review

United Kingdom, 2 months ago

Verity

Verified user

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

Read the full review

United Kingdom, 2 months ago

Daniel

Verified user

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

Read the full review

United Kingdom, 2 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.

Read the full review

United Kingdom, 2 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!

Read the full review

United Kingdom, 2 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

Read the full review

United Kingdom, 2 months ago

Charmaine

Verified user

Always helpful and responsive. Yasmin always gets us a good deal, and we have been using Just Mortgage Brokers for many years. Easier to deal with then going direct to the lenders. Would highly recommend.

Read the full review

United Kingdom, 2 months ago

Joel

Just Mortgage Brokers are the only place I’ll go for a mortgage or remortgage. Say what they’ll do- and then deliver each time, regardless of your circumstances. Highly recommended.

Read the full review

United Kingdom, 3 months ago

FREQUENTLY ASKED QUESTIONS

Our self-employed mortgage calculator will help you to see how much you could borrow. This will be based on your employment, income, and other factors.

Please be aware that the amount the calculator provides is a guide only. The actual amount you can borrow will be determined by your lender and will be based on your unique circumstances.

Get in touch to discuss your mortgage needs in more detail today.

No two lenders will use identical assessment criteria to work out your income figure. Some lenders have rigid underwriting criteria, while others may be more flexible. However, there are some common factors in how lenders tend to assess mortgage applications from self-employed applicants:

Sole trader

If you are registered as self-employed with HMRC on a sole trader basis, lenders will look at your trading history to assess your level of sustainable income. As evidence lenders may ask to see full trading accounts, either prepared by or certified by a chartered accountant.

Some lenders will ask for your SA302 year-end tax calculations from HMRC, either instead of or in addition to full accounts. It’s common for lenders to ask for up to three years’ accounts or SA302s, but some more specialist lenders can make lending decisions based on as little as one year’s records.

Partnership

If your self-employed trading basis is as a member of a partnership, then lenders may assess income based on your full trading accounts (as with sole traders). They may also take into account the percentage of your stake in the partnership.

Company director

If you are the director of a limited company, many lenders use a similar approach to sole traders/partnerships. They may require full trading accounts or SA302s to assess your income based on the salary you have drawn from the company.

Some lenders will also take dividends you have drawn into account. A less common approach is to calculate income based on your share of company profits. This approach can be advantageous where profits have been retained in the company structure rather than drawn as salary or dividends.

Contractor

Like sole trader mortgages, lenders will consider how long you have been a contractor and may want to see your accounts and/or SA302 calculations from HMRC. However, it’s common for specialist lenders to calculate an income figure based on the day rate shown on your current contract. This is usually based on an assumption of working five days a week, over 48 weeks in the year (taking holidays into account).

CIS worker

If you work for a contractor registered under HMRC’s Construction Industry Scheme (CIS), you may find lenders have different approaches to calculating income and affordability, with many assessing on a case-by-case basis. Typically, however, lenders will ask to see three to six months’ worth of payslips and calculate annual income based on the gross payments shown. They will also consider how long you have been working with the same contractor, or in the same industry.