Get access to specialist lenders who understand self-employed income and secure competitive mortgage rates with expert broker support from Fox Davidson.
Specialist UK Mortgage Brokers Who Understand Self-Employed Income Challenges.
As a self employed person, getting a mortgage can feel frustrating at times. At Fox Davidson, we see all too often how lenders treat self-employed applicants differently. Some lenders require extensive documentation and often reject applications that employed applicants would sail through. The key difference lies in how mortgage providers assess your income – while employed people provide simple payslips, you will need tax calculations, tax year overviews, sometimes accountant references and business bank statements. The scrutiny is on another level.
At Fox Davidson, our specialist brokerage focuses on securing funding for sole traders, Ltd Co directors, partners in LLP’s including law firm partners and contractors. We have access to lenders across the market, including specialist lenders who genuinely understand freelancers, contractors, sole traders, and limited company directors. We help self employed people secure funds by utilising the right lenders for each individual situation. Rather than facing multiple rejections that damage your credit rating, we identify the right lender from the start.
We can secure terms for 1 years accounts, declining profits, clients who have recently moved from sole trader to Ltd status and utilise day rate contractors.
Why Choose a Specialist Mortgage Advisor for the Self-Employed?
Working with Fox Davidson, offers distinct advantages over applying direct to a lender.
Access to all types of Lenders – From high street and private banks to commercial lenders.
No Multiple Credit Searches – We do our homework to ensure we approach the right lender first time.
Faster Application Process – We know exactly which documents each lender requires thus avoiding delays.
Who we can help:
Sole Traders
1 years accounts and mortgages for clients switching from sole trader to Ltd company status
Contractors
Experts with short term contracts, we can utilise your day rate to boost affordability
Ltd Company Directors
Work from projections, utilise profits and salary rather than dividends to increase max loan size
Partner in an LLP
We secure mortgages for new partners in an LLP.
How Our Self Employed Mortgage Broker Service Works
Getting a self employed mortgage through Fox Davidson is straightforward:
Step 1: Initial Consultation
Initial consultation to assess your your income, outgoings, deposit, loan requirements and mortgage preferences.
Step 2: Document Preparation
We provide expert guidance on how we will present your application in the best possible light.
Step 3: Lender Matching
Working across the market we identify a couple of lenders who will potentially lend, giving you various options to consider.
Step 4: Application Management
You will benefit from an FCA qualified, highly experienced broker, a paraplanner to help collate the documents and complete the fact find and a case progression manager to keep things moving along swiftly.
What Makes Fox Davidson’s Self Employed Mortgage Service Different?
Our specialist focus on self employed mortgages means we understand the unique challenges you face. We have solutions to overcome them.
Experience – Over 20 years of experience specifically helping contractors, freelancers, sole traders, and limited company directors secure competitive mortgage deals with specialist lenders. Self employed borrowers can access the mostly the same mortgages and standard mortgage products as employed applicants, with some differences in income documentation.
Same Day Decision in Principle – Fast-track service for applicants with well-organised accounts, good credit scores, and readily available evidence of their income from switched on accountants
Post-Application Support – Continued assistance managing solicitors, arranging surveys, and coordinating completion timelines, ensuring your mortgage process runs smoothly through to completion
We help clients get a self employed mortgage tailored to their personal circumstances including offset-mortgages and interest only options.
What Our Clients Are Saying
⭐️⭐️⭐️⭐️⭐️ “As a freelance graphic designer, I was told by three high street lenders that my income was too unpredictable. Fox Davidson were excellent and secured a mortgage for me without any problems!”
Freelance Designer
⭐️⭐️⭐️⭐️⭐️ “Being a limited company director made getting a mortgage seem impossible. Fox Davidson explained how to use net profit and my monthly salary rather than dividends.
Business Owner
⭐️⭐️⭐️⭐️⭐️ “With only 18 months of accounts, I thought I’d have to wait another year. Wesley found a lender who accepted my circumstances, great job.”
Marketing Consultant
Get Started with Your Self Employed Mortgage Today
Don’t let being self employed stop you from securing a mortgage. We have a deep knowledge of the intricacies of self-employed income and will overcome any challenges.
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
Frequently Asked Questions About Self Employed Mortgage Brokers
How much does a mortgage broker cost for self employed clients?
Most mortgage brokers charge no fee to self employed borrowers, receiving commission payments directly from mortgage lenders upon completion. Some complex cases may involve a small arrangement fee, but this is always discussed upfront during your initial consultation.
Can a broker help if I only have 1 year of accounts?
Yes, specialist lenders available through Fox Davidson can consider self employed applicants with just 12 months of certified accounts, provided you can demonstrate steady income and have a good credit rating. Additional documentation like future contracts or qualified accountant projections may be required.
What documents will a broker need from me?
Self employed mortgage applications typically require SA302 tax calculations, tax year overviews, certified accounts from a registered accountant, 3-6 months of business bank statements, and evidence of any upcoming contracts or dividend payments. Your mortgage adviser will provide a complete checklist.
How long does the broker process take?
From initial consultation to mortgage offer typically takes 4-6 weeks for straightforward self employed cases. Complex cases involving specialist lenders may take 6-8 weeks, but this is still faster than multiple direct applications to mortgage lenders.
Can brokers help with bad credit and self employment?
Specialist mortgage advisers have access to adverse credit lenders who consider self employed applicants with credit history issues. While you may pay higher mortgage rates initially, many clients can remortgage to better deals once their credit rating improves.
How do I find the best self employed mortgage as a self employed worker?
A mortgage broker can help a self employed worker compare different lenders and their criteria to secure the best self employed mortgage for their situation. Brokers have expertise in matching your income type and business structure to the most suitable deals, ensuring you get the best possible outcome.
✅ Free consultation with no obligation
✅ Same-day response guarantee
✅ FCA regulated since 2013
🔒 Trusted by 1,000’s self employed clients | 4.9★ Google rating | Specialist lender access
Fox Davidson are a specialist UK broker. We work with clients to secure funding on residential & commercial property in the UK. We can work by phone, email and video call. We have London & South West offices at which we can meet clients.
*Get the expert support you need to turn your self employed mortgage application into a success story.
