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Net Profit Mortgage Calculator

How much could you borrow for a mortgage?

Estimate your borrowing power based on your share of net profit using our specialist tool. No credit checks here! Simply fill out the information below to get your estimate!

Sole Trader & Net Profit Guides

If your business is profitable but your personal drawings are low, you need a lender who looks at the bigger picture. Our guides explain how sole traders and partnerships can use their full business performance to secure a home loan.

11 mins

Sole Traders & Partnerships

Learn how lenders use your total net profit rather than just your drawings to calculate a higher mortgage amount.
Read our Sole Trader guide

6 mins

Mortgages with 1 Year’s Accounts

Discover which specialist lenders are willing to offer a mortgage based on only twelve months of business trading history.
View 1 Year Options

6 mins

Self-Employed Mortgages Explained

A complete guide to how lenders assess different business structures and what you need to strengthen your application.
Read the self-employed guide

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

Yes, many specialist lenders will base their affordability assessment on your share of the business’s net profit (after tax) to give you a significantly higher borrowing limit than high-street banks.

Most lenders will take an average of your last two years, but if the latest year shows a decline, they may use the lower figure to ensure the mortgage remains affordable.

No. As long as your share of the net profit supports the loan amount, you can still access high LTV mortgages with as little as a 5% deposit.