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Self-Employed Buyer Mortgages

Many people nowadays work as self-employed, sometimes as sole traders or directors of Limited companies. Contractor mortgages are also available for the self- employed, something we find we are helping more and more with.

The keys to gaining a mortgage is proof of your income, a deposit that fits the lender requirements and finally, good strong credit history.You can increase your chances of getting a mortgage by making yourself as attractive as possible to a lender. The larger your deposit as a percentage of the loan you are borrowing, the better. The better your credit score the more likely you are to be accepted.

We recommend reviewing your credit profile regularly and ensuring that it is accurate, ideally with no late payments, defaults or CCJ’s, as this will detract significantly from a lender’s willingness to provide you with a mortgage agreement.

Lenders will generally base their affordability calculations around provable taxable income over the last two years. However, there are lenders available that may accept one year, however these are in the minority.

Use of an accountant whilst not always necessary will generally strengthen your probability of acceptance. Some lenders may only accept certified or charted accountants.

Contractors, success is generally dependent upon, the length of time you have been a contractor for, the industry sector that you work within and proving there have been no major gaps in contracts.

Lender requirements

  • When applying the lender requirements will be.
  • Proof of income
  • Potentially two years accounts
  • 2 years tax calculations/tax returns and overviews
  • Contractors, will need your most recent contracts( preferably with no long employment gaps )
  • Proof of deposit
  • Proof of ID
  • Proof of address
  • Last 6 months business bank statements

Professional Advice could potentially save you £1,000’s over the term of a Mortgage. This traditionally is the biggest family commitment in life so get sound professional advice from tried and trusted professionals.

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Please feel free to get in touch for help with your needs. We will get back to you ASAP.

Head Office: 01462 613030
17a High Street, Shefford, Bedfordshire, SG17 5DD.


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    What our Clients Say


    Brian was the best mortgage adviser we could hope for. Was only ever a phone call away & always went above and beyond. I highly recommend using this company!

    Satisfied Client

    I have no doubt in recommending Brian to anyone seeking out a mortgage and advice. He has been helpful and supportive throughout my mortgage application. His responses to communication was excellent. Brian kept me informed at each key stage. He was professional and always happy to answer and explain the many questions I had. I’m very grateful for his recommendations, advice and help. I have no hesitation in using Brian again and look forward to him assisting me in the future. Thank you Boudica.

    Delighted Client

    I was referred to Boudicas through a friend. I went to meet John and Brian in person at their head office in Shefford and found the advice professional and informative. Great service, always available and all options clearly explained to make choices easier. I would not hesitate in recommending both John and Brian to friends and family and know where to go now when I need to reportage again. 5 * Thank you

    Five Star Service

    Brian was absolutely amazing. We went to another mortgage broker and it took us 10 months and they managed to lose our documents and the mortgage was declined. Went to Brian within 2 days had mortgage in principle and within 2 working weeks had the final mortgage offer. Absolutely astounding result for us after a long and painful year. Definitely recommend Boudicas Land for mortgages.

    Astounding Results

    Brilliant service. Thank you so much to Brian and John for all their support. I was able to contact them anytime via emails or phone with a quick response. I was able to pop down to their office anytime to discuss my options. It’s good to have all services under one roof. From home purchasing, loan application, solicitors services, Will writing services and many more which you require. I would highly recommend them. Good value for money as well.

    Highly Recommended

    My wife and I were first time buyers so were new to the process of house purchasing. Brian acted as the agent for the property we were purchasing. From the viewing through to completion and beyond, we haven’t looked back. We also used the services of Boudica for Mortgage brokerage and advice, through Brian as well. It was one of the best decisions we made because the communication, guidance and professionalism from Brian and the team was amazing. Brian helped chase things through for us and helped explain the process at every step. With such an amazing experience, we also used Boudicas for financial and insurance advice through John. Again, an amazing decision! All together and throughout, the communication was very helpful and the team worked at an amazing pace to suit our needs for a quick purchase. Thanks again to the team at Boudicas, we would highly recommend and will be passing on their details to whoever we know that might need their services; buying, selling, remortgaging, finance, insurance and the rest. All in all, a truly faultless service!

    Happy Client