How to Get a Mortgage If You’re Self-Employed: A Complete Guide for 2025

Self-employed applicants may face stricter lending criteria, but securing a mortgage is still possible.

Key Requirements for Self-Employed Mortgages

1. At least two years’ worth of accounts or SA302 forms.
2. Proof of consistent income (average earnings over the past 2-3 years).
3. A good credit score.
4. A larger deposit (10-20%) may improve your chances.

Using a mortgage broker can be highly beneficial, as they know which lenders are more flexible with self-employed applicants.