News & Market Updates Trust Centre Customer Sign In Adviser Portal For Partners

Training Session · Intermediate · 15–18 min+60 Mortgage Fitness Unlocks: Self-Employed Specialist

Self-Employed & Mortgage Ready

Being self-employed doesn't stop you getting a mortgage. Whether you're a sole trader, company director, contractor or partner, many lenders consider self-employed applications — the difference is usually how income is evidenced.

Step 1 of 13 · Welcome

Welcome

Self-employed borrowers are not second-class applicants.

The key difference isn't whether you can get a mortgage — it's how your income is evidenced. Every lender has its own criteria, so being prepared makes a real difference.

Learning objectives

By the end of this training session, you'll understand:

Different business structures and how they affect mortgage applications.
The documents lenders commonly request from self-employed borrowers.
How SA302s, Tax Year Overviews and company accounts are used.
Different ways lenders may assess salary, dividends and retained profits.
Common questions self-employed applicants ask.
Practical steps to prepare your finances before applying.

Educational only. Lender criteria vary and eligibility depends on individual circumstances.