How to get a mortgage if you’re self-employed

When you're self-employed, it can feel like buying your own home will always be out of reach. But by tidying up your accounts and shopping around, you could be on your way to home ownership. Working for yourself often means your income varies from month to month, and that can affect your mortgage application. Right now, 15% of the UK workforce is self-employed – with more people joining the freelance revolution year on year. But more than 1 in 5 of these people have had their mortgage application rejected* because they can’t prove their future earnings to a lender’s satisfaction. No wonder so many people running their own businesses haven’t taken the first step up the property ladder.