Introduction
Being self-employed is rewarding — but when applying for a mortgage, it often brings extra scrutiny. I’m Tom Bradley, and I specialise in helping self-employed clients turn complex incomes into successful mortgage applications. This guide explains how.
What Lenders Want to See from Self-Employed Clients
Lenders look for stable, well-documented earnings. They favour clients with consistent accounts over 2–3 years, clear accounting, and minimal unexplained fluctuations.
Documentation Checklist (accounts, SA302s, tax returns)
You’ll need:
- Past 2–3 years’ audited accounts
- SA302 forms + tax year overviews
- Proof of business expenses and turnover
- Bank statements matching your declared income
Maximising Declared Income (tax planning legitimately)
You don’t want to underdeclare. I’ll help you structure your accounts properly (within legal bounds) so they reflect your real financial strength.
Specialist Lenders I Use
I maintain relationships with lenders who understand self-employed income structures. That gives you access to deals with more flexibility and understanding of your business model.
Common Red Flags & Application Pitfalls
Avoid: large one-off income that distorts average, late tax returns, inconsistent profit margins. These can trigger delays or declines.
Comparison: Employed vs Self-Employed Applications
Unlike employed clients who have regular payslips, self-employed applicants must provide more proof. But with the right documentation, you can often match or exceed their borrowing potential.
Protecting Income & Growth Strategies
As your business evolves, I’ll help you review and adjust your mortgage options, ensuring your deal matches your changing income.
How I Support You Through the Process
From document preparation to lender selection, surveys to completion — I guide you every step so you feel confident and informed.
Conclusion & Call to Action
Your business success should support your home ownership. Let me help you bridge that gap. Book a chat now, and let’s find your mortgage.