Mortgages Made Easy for the Self-Employed
“I went self-employed at the age of 23. What a shock to the system that was. I could not have foreseen what lay ahead. Being self-employed is so much harder than people you give credit for. I therefore want to our team to bend over backwards to make sure you get the best mortgage that’s available. Because frankly, lenders don’t make it easy for you”
Jamie – Chetwood Lloyd Mortgages.
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Being self-employed gives you freedom, flexibility, and control over your income. But when it comes to getting a mortgage, it can feel like the system is stacked against you.
Banks and lenders often prefer straightforward salaries over variable income, making it harder for self-employed professionals, freelancers, contractors, and business owners to get approved.
At Chetwood Lloyd Mortgages, we believe being your own boss shouldn’t hold you back. We specialise in helping self-employed people secure the right mortgage—without unnecessary stress, endless paperwork, or rejections.
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It’s not that lenders won’t give mortgages to self-employed people—but they do tend to make it harder. The key challenges you may face include:
❌ Proving Your Income – Unlike PAYE employees, you don’t have a fixed monthly salary. Some lenders don’t understand how to assess self-employed earnings properly.
❌ Strict Documentation Requirements – Many lenders will ask for at least two years’ worth of accounts, tax returns, and business records, which can feel overwhelming.
❌ Lower ‘Official’ Earnings – You may reinvest in your business, write off expenses, or take a small salary and dividends—making your income look lower than it actually is.
❌ Inconsistent Income Streams – If your income fluctuates from month to month, lenders may see you as ‘higher risk’ compared to someone with a steady PAYE job.
❌ Worry About Getting Declined – Many self-employed people apply directly with their bank, only to be rejected because they don’t fit their specific lending criteria. A declined application can hurt your credit score and make it harder to get approved elsewhere.
The good news? The right lender will understand how to assess self-employed income properly—and that’s where we come in.
At Chetwood Lloyd Mortgages, we make the process simple. Here’s how:
✅ We Match You with Lenders Who Understand Self-Employed Income
Not all lenders are the same. Some are much more flexible when it comes to self-employed applicants, and we know exactly who they are.
✅ We Help You Prove Your Income Without the Stress
We’ll guide you through the exact paperwork you need—whether you’re a sole trader, limited company director, or freelancer. No unnecessary admin. No wasted time.
✅ We Maximise Your Borrowing Potential
Because of how self-employed income is assessed, some lenders might underestimate what you can afford. We ensure your full earnings are considered so you get the best possible loan amount.
✅ We Handle the Application From Start to Finish
No need to go back and forth with lenders or struggle with confusing forms. We take care of everything, keeping you updated every step of the way.
✅ Independent, Fee-Free Advice
We’re not tied to any lender, which means we always act in your best interest. Plus, our service is completely fee-free—so you get expert mortgage advice without paying a penny.
We’ve helped hundreds of self-employed people get approved for a mortgage, including:
✔️ Sole traders & freelancers
✔️ Limited company directors
✔️ Contractors & consultants
✔️ Business owners
✔️ CIS workers & subcontractors
Even if you’ve been turned down by a bank before, we can still help.
Getting a mortgage when you’re self-employed doesn’t have to be difficult. With the right advice, it can be just as straightforward as it is for anyone else.
No fees. No stress. Just straightforward, expert mortgage advice. Let’s get you moving!
