Getting a mortgage when self-employed

You'll need to be self-employed for at least two years. This will help with the mortgage application process to ensure that you have a reliable income to cover the costs of a mortgage.  

For proof of income, the main documents that you'll need are two or more years' certified accounts, your SA302 form and tax year overview from HMRC.

Being self-employed shouldn't affect getting a mortgage as long as you've been self-employed for at least two years and can show your required proof of income.

When applying for a self-employed mortgage, these are some of the documents you are likely to need:

Proof of income (2 years) 

• Certified accounts 
• SA302 form and tax year overview from HMRC
• Bank statements

Proof of ID

• Passport
• Driving license

Proof of address

• Diving license 
• Council tax bill
• Utility bills dated within the last 3 months

Evidence of upcoming work could also be considered

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