Can I get a mortgage using retained profits?

Using retained business profits for a mortgage can be challenging, however, it is possible to find lenders who will consider your retained profits. Most mainstream self-employed mortgage lenders calculate affordability based on salary and dividends. Therefore, you may need to use a specialist lender who will look at your retained profits, in turn this could allow you to borrow more.

Can I use dividend income to get a mortgage?

Typically, you won’t be able to get a mortgage solely based on your dividend income, as many mortgage lenders wont consider it as a stable source of income. Instead, lenders will look at your dividend income in addition to things like your salary to give them a rounded idea of your affordability.

Can I get a self-employed mortgage without proof of income?

No, you will always need to prove your income to lenders. The process may involve verifying income with HMRC. One of the key things that lenders need to assess is a potential applicant’s affordability, as they want to know you can afford to make your monthly mortgage payments.

Can I get a self-employed mortgage with bad credit?

Yes, self-employed individuals are able to get mortgages even if they have bad credit. However, securing a mortgage with a bad credit history can present a significant challenge depending on the severity of the credit event(s) and time that has passed since. You’ll be please to know that we specialise in bad credit mortgages and can help you acquire a mortgage product, even with a less than perfect score.

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Self Employed Mortgages

Self-employed? Your mortgage advice made simple.

We’re here to help! Homeownership isn’t out of reach, our experts know how to make it happen. Submit a few details, only takes a few minutes!

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

See what's possible

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WE’VE GOT THE SOLUTIONS

Self-employed? Finding the right mortgage can feel overwhelming – but you’re not alone. We’ve helped many people in similar situations. Explore our video to see how the right support and solutions could make your mortgage journey clearer, smoother, and more achievable.

Our self-employed mortgage guides

Finding the right mortgage when you’re self-employed can feel complex. Our tailored guides cover every situation – from CIS workers and contractors to freelancers, directors, and beyond – helping you prove income, explore options, and secure the mortgage that fits your unique circumstances.

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.

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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

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This is our specialty, It’s what we do!

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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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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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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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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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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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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.

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Self Employed Mortgages

Self Employed Mortgages

WE’VE GOT THE SOLUTIONS

Our self-employed mortgage guides

Self-employed mortgage guide

Self-employed with bad credit?

Proving your income

Mortgages for CIS workers

IT contractor mortgages

Company director mortgages

Mortgages for doctors & GPs

Mortgages for foster carers

Mortgages for freelancers

Mortgages for professionals

Mortgages for sole traders

Mortgages for taxi drivers

Mortgages with 1 year's accounts

Mortgages with complex incomes

Zero hour contract mortgages

Find out how much you could borrow!

Why choose Just Mortgage Brokers?

This is our specialty, It’s what we do!

Direct access to top lenders

Exclusive deals tailored to you

Trusted by our customers

Ready to talk mortgages?

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