Self employed mortgage advice across Wiltshire
We help selfemployed applicants across Wiltshire, including people buying, moving home and remortgaging in Salisbury, Warminster, Wilton, Amesbury, Devizes and surrounding towns and villages.
Some clients come to us because they are worried that being self employed will make getting a mortgage difficult. Others want help understanding how lenders will look at salary, dividends, net profit or retained profits. Some have one year of accounts and want to know whether that may be enough.
Our role is to explain your options clearly, help you prepare the right documents and guide you towards lenders whose criteria may suit your circumstances.
Can self employed people get a mortgage?
Being self employed does not stop you getting a mortgage. The key questions are usually:
- How your income is evidenced
- How long you have been trading
- How stable your income appears
- How your wider affordability looks once your commitments are taken into account
Different lenders assess self employed income in different ways. Some may look at salary and dividends, some may focus on net profit and some may also take retained profits into account for limited company directors. That is why speaking to a broker can be especially helpful if you are self employed.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Who we help across Wiltshire
We help a wide range of self employed applicants across Wiltshire, including:
Sole traders
If you are a sole trader, lenders will often look at your net profit and trading history. We can help you understand how that may affect affordability.
Limited company directors
If you pay yourself through salary and dividends, or leave profit in the business, lender criteria can vary quite a lot. We can help you understand which lenders may assess your income more favourably.
Applicants with one year of accounts
Some lenders may consider applicants with only one year of accounts, although the options can be more limited. We can help you understand what may be realistic.
Applicants with changing income
If your profits have gone up, gone down or become more consistent recently, it helps to get advice before making assumptions about what may be possible.
Self employed first time buyers
If you are trying to buy your first home while self employed, we can help explain what lenders may need and what may be realistic based on your income and deposit.
Self employed remortgage clients
If your current mortgage deal is ending, we can help you understand what options may be available now based on your latest accounts and trading position.
How do self employed mortgages work?
If you are self employed, applying for a mortgage can sometimes feel more involved than it does for an employed applicant. This is usually because lenders need to understand how your income is structured and how sustainable it appears.
That does not mean getting a mortgage is impossible. It simply means that presenting the application properly matters more.
Different lenders can take different approaches. Some may average income over two or three years. Others may place more emphasis on recent performance. Some may be more comfortable with one year of accounts than others. The right lender choice can therefore make a real difference.
What information will I need to provide for a self employed mortgage?
The exact documents vary between lenders, but self employed applicants are often asked for some combination of the following:
- certified accounts, often covering the last two or three years
- SA302s or a Tax Year Overview from HMRC
- business bank statements or personal bank statements
- evidence of salary and dividends if you are a limited company director
- proof of ID and address
- details of regular outgoings and financial commitments
Some lenders may consider applicants with only one year of accounts, while others may want longer trading history. We can help you understand what may be needed before you apply so the process feels more straightforward.
Areas we cover across Wiltshire
We help self employed mortgage applicants across Wiltshire, including:
- Salisbury
- Warminster
- Wilton
- Amesbury
- Devizes
- surrounding towns and villages across the county
If you would prefer face to face advice, we may be able to help depending on location and availability. We can also handle the whole process by phone or video call, which often suits busy self employed clients particularly well.
You may also find these more local pages useful:
Why use Your Mortgage Expert for self employed mortgage advice in Wiltshire?
Many self employed applicants prefer to use a broker because lender criteria can vary so much from one case to another.
We can help by:
- Explaining how different lenders may assess your income
- Helping you understand which documents are likely to be needed
- Avoiding applications to lenders that may not suit your circumstances
- Presenting your case as clearly as possible
- Supporting you through the process from first enquiry to completion
Clients choose us because we offer:
- Clear, friendly advice
- Support with self employed and more complex income cases
- Flexible appointments by phone, video or in person
- Help understanding documents, affordability and lender criteria
- Local knowledge combined with broader lender access
Need self employed mortgage advice in Wiltshire?
If you are self employed and want clear, friendly mortgage advice anywhere in Wiltshire, we would be delighted to help. We can talk through your circumstances, explain your options clearly and help you understand what the next step may be.
This page was last updated in April 2026
Frequently Asked Questions
Can I get a mortgage if I am self employed?
How many years of accounts do I need?
Can I get a mortgage with one year of accounts?
Do lenders look at salary and dividends?
Do you help self employed applicants across Wiltshire?
Can I speak to someone face to face?
Can you help self-employed first-time buyers?
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.