Self-Employed First-Time Buyer Mortgages
Self-employed first-time buyer mortgages are very much possible. The lender just reads your income differently. Self-employed and buying your first home? We know who is flexible with your figures. Based in Sleaford, free until your offer is approved.
5.0★ · 718 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
Can a self-employed first-time buyer get a mortgage?
Yes. Being self-employed does not stop you buying your first home. You need a lender comfortable with how you are paid, and we match you to one.
How lenders assess self-employed income
Most want one to two years of accounts or tax calculations (SA302s). Sole traders are judged on net profit; company directors on salary plus dividends, or retained profit. The right lender depends on how your business is set up, which is where whole-of-market access earns its keep.
Buying your first home with under a year’s accounts
Harder, but not impossible. A minority of lenders consider one year’s figures, sometimes with an accountant’s reference. We will tell you honestly whether to apply now or wait.
What deposit do you need?
The same as any first-time buyer, often from 5%. Being self-employed affects how your income is assessed, not the deposit. See our 5% deposit page and deposit calculator.
What it costs
Free until your mortgage offer is approved. Then a fee, typically £299, or £199 for Armed Forces and Blue Light Card holders. Your home may be repossessed if you do not keep up repayments on your mortgage.
Local to you
Easy to reach from Lincoln and the surrounding areas
We are on Carre Street in Sleaford, a short hop from the A15 and A17 and minutes from RAF Cranwell. Pop in for a coffee, or run the whole thing by video and phone, whichever suits you.
RAF Cranwell
10 mins
Lincoln
25 mins
Grantham
20 mins
A15 & A17
On the doorstep
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
718 verified reviews, rated 5.0
271 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
The people behind your mortgage
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.
