Free mortgage calculator

Self-employed mortgage calculator

See how lenders may average your profit to work out what you can borrow.

Built and checked by the advisers at Spolton Mortgages, former bank managers who are CeMAP qualified and FCA registered.

700

Five-star reviews

VouchedFor 2019–2026

Local

Family-run since 2017

Registered · No. 993383

Lenders treat self-employed income in different ways. We know which ones suit your set-up.

Self-Employed Mortgages

How lenders view self-employed income

If you are self-employed, lenders usually look at your last two or three years of figures. Many average them; some use the latest year, especially if income is rising or falling. Limited company directors may be assessed on salary plus dividends, or on salary plus retained profit.

Because approaches differ so much, the lender you approach matters more than ever. We compare the whole market to match your accounts to a lender likely to say yes.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

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What clients say

700 verified reviews, rated 5.0

257 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

Buying a house He was very friendly and helpful Yes Everything was spot on

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

I was asked by a friend 'how important is your home'. Which I replied very important. There for I should seek professional help to get the best deal for me. By exploring the market and finding the best deal for me. Yes and then some. No.

Verified client in Lincolnshire

Review of Seth Jackson

VouchedFor

Buying a 2nd property to secure the sale whilst our other property was on the market. Yes. He provided the best mortgage available that we could pay a lesser penalty to pay off. Yes. Property now sold and new one paid off. Nothing.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Our first time buying a house Seth has been amazing throughout the whole process of looking for and buying a house. He helped us massively when we faced difficult situations and circumstances. He was so patient with us and was so thorough. He helped us sort our mortgage and get the best rate possible aswell as life and buildings insurance. Seth always had time for us and was always available when we needed, we couldn’t have done it without him. Yes! Nothing! To us they helped get us our dream house!

Verified client in Lincolnshire

Review of Seth Jackson

VouchedFor

I inherited some money and wanted to invest it in property. I asked friends and colleagues about mortgage advice and Nick was overwhelmingly the most recommended person. Nick gave me impartial advice on types of mortgage available to a person of my advanced age. The whole team are friendly and professional and I at no time felt pressured into accepting any policy. He also contacted the vendors and arranged a viewing for me using his excellent network of associates. He also kept in touch through the whole process until I walked int my new home. Most definitely yes In my honest opinion absolutely nothing.

Verified client in Lincolnshire

Review of Nick Spolton

700

Five-star reviews

5.0★

Average rating

Read all 700 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

Our service is free until you receive a fully approved mortgage offer. There may then be a charge which, depending on your circumstances, will typically be £299, payable upon receipt of an approved mortgage offer. Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

For remortgages, if best advice is to switch rates with your existing lender then we charge no fee at all.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
As with all insurance policies, conditions and exclusions will apply.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
Equity release is arranged by introduction only.

Spolton Mortgages is a trading style of Spolton Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Number 993383.

Founded and incorporated on 7 August 2017. Spolton Mortgages is a trading name of Spolton Ltd (FCA Number 993383). Registered Company Number: 10903440 (view on Companies House). Registered in England and Wales.

Registered Office: Spolton Ltd, Spolton Mortgages, 6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW.