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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.

cartoon of a woman sitting and talking to an advisor holding a clipboard, representing a self-employed borrower reviewing her calculator results with a mortgage broker

Director Mortgage Calculator

Calculate your borrowing power using your salary and dividends or your specific share of business net profit.
Calculate Director Borrowing
cartoon illustration of a man in construction gear holding a shovel, representing a self-employed tradesperson or contractor using a self-employed mortgage calculator to find their home buying budget

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
cartoon illustration of a man sitting on his sofa using a laptop, representing a self-employed business owner utilizing a self employed mortgage calculator to estimate his borrowing power based on his unique income

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
cartoon of a woman sitting with her laptop and holding a business debit card, representing a self-employed borrower using a mortgage calculator to check her home loan eligibility based on her business income

Freelance Mortgage Calculator

Find out how lenders assess your variable freelance income to estimate your maximum mortgage borrowing power.
Calculate Freelance Borrowing
cartoon of a woman receiving a food takeaway and checking the receipt, representing a self-employed borrower assessing her monthly outgoings for a 2026 mortgage calculator

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
cartoon of a working mother walking with her child, symbolizing a self-employed applicant calculating her home loan eligibility to secure a future for her family

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 158 reviews

William Baker
Star Empty

Verified user

I have used twice and both times were quick and efficient. The brokers were knowlegable and professional answered emails quickly, and there were no issues with either mortgage application.

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United Kingdom, 6 days ago

Camilla Parker-Mullins & Paul Parker

Verified user

Daniel and Yasmin at Just Mortgage Brokers have both been fantastic at helping us switch our mortgage providers at the end of our fixed terms, or assist with onward purchases when we have needed them. I’d highly recommend their services.

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United Kingdom, 6 days ago

Jonathan

Verified user

Wouldn't hesitate to recommend. Daniel at Just mortgage Brokers helped me get a mortgage in 2015 and then 10 years later he helps me secure a mortgage for my second house. Wouldn't go elsewhere. Many thanks.

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United Kingdom, 2 months ago

Claire & Richard

Verified user

Been using a few years now , always a pleasure to work with with Daniel and always finds us the best deal.

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United Kingdom, 2 months ago

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, 5 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, 5 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, 11 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, 11 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, 11 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, 11 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.

Get Started
01473 356 284