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Self Employed Mortgages

If you’re self employed, we’ll help you find the right mortgage deals that will accommodate your financial situation. You’ll still get great rates with lenders ready to deliver a mortgage product that matches your unique needs as a business owner.

Our self employed mortgage advisers are highly experienced and ready to support you through every step of your mortgage journey.

Talk to our expert self employed mortgage advisers in Birmingham about your financial situation today. We’ll give you personalised advice and  help you find the right mortgage products to suit your needs. Call us today on: 0345 066 6555 or drop in to see us in Birmingham at Coleshill Road.

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As a business owner you’ll need to provide lenders with solid proof of how much you can borrow and that you have a steady income. To qualify as self employed you will need to own at least 20 -25% of the business which should be your main income.

You can access standard mortgages but you will need to prove how much you can borrow.


It is crucial you can show that you can afford the monthly repayments on your mortgage. Be prepared to provide as much evidence as possible to show you regularly have a stable income with excess funds to cover the repayments. You may be asked to supply bank statements and discuss you incomings as well as outgoings in detail.

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Proof of Income

As proof of income you will need to supply:

  • Certified accounts for at least two years (prepared by qualified chartered accountants if possible).
  • SA302 forms or a HMRC tax year summary spanning the last 2-3 years.
  • Evidence of dividend payments or retained profits if you are a company director.
  • Evidence of future contracts if you are a contractor.

Mortgage rates for self employed

If you can prove your affordability, you will be able to access standard mortgage rates. However, if you have difficulty evidencing your income you will have a more limited range of options.

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Improving Your Chances with Self Employed Mortgages

It is beneficial if you:

  • ensure your accounts are prepared by qualified chartered accountants.
  • supply a larger deposit.
  • have a good credit history.
  • can supply bank statements that show you can afford the repayments.

Discuss all your right options with our experienced self employed mortgage advisers in Birmingham today. With access to 100s of the most appropriate mortgage deals on the market and many years experience,  we’ll find the right product for you. Call: 0345 066 6555 or drop in to see us at Coleshill Road, Birmingham.


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Blossomfield mortgages were very helpful to me and my partner when we first enquired about whether we were mortgageable to buy our first home. We were very impressed with their professionalism. Best mortgage broker in Birmingham!

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Sam Ansell

Amazing service provided by Blossomfield in a quick and timely manner. No matter what questions we had they were always willing and happy to answer with their wide knowledge and experience. Would recommend Blossomfield to anyone.

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Excellent service, quick turnaround, as promised. Will be using again and again. Would highly recommend Blossomfield Mortgages.

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James Dean

Excellent service from Blossomfield Birmingham, they were able to sort a mortgage out for me very quickly and made the whole process simple and stress free, always available when needed and provided regular updates.

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Jack Moriarty

I approached Blossomfield regarding a mortgage using there Birmingham branch and the service I have received has been nothing short of amazing their efficiency and passion to get everything done and approved in a professional manor is astounding.

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Ryan James

Blossomfield Mortgages provided fantastic advice. Our mortgage approval went through very fast, as our mortgage was handled with the utmost urgency. From start to finish, the whole process was a breeze. We sat back and let them handle all the hard work.

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Frequently asked questions...

I am self-employed. Can I have a mortgage?

Yes, our mortgage brokers at blossomfield have access to a wide range of lenders. This includes products specifically for people who are self-employed. We can't guarantee you'll always get what you're looking for, but we'll do our best to assist.

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How much will a mortgage cost per month?

The monthly cost of the mortgage is determined by three things: the mortgage amount borrowed, the length of the mortgage and the interest rate. Thus, the cost is specific to your individual circumstances. Your dedicated mortgage broker will help you find the right mortgage for your monthly budget.

In the meantime, why not check out our mortgage calculator?

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My bank will not lend me the amount we need. Can we still buy the house we like?

Blossomfield Mortgages has access to mortgage deals that are not available direct from lenders on the high street. Loan amounts will differ from lender to lender, and some lenders may offer a bigger mortgage than others. Our friendly mortgage brokers will discuss affordability to see which lender’s criteria you meet and how much you can borrow responsibly.

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