Self Employed Taxi Drivers Mortgage Advice

Mortgages for Self Employed Taxi Drivers, Uber & Private Hire Drivers

If you are a self employed taxi driver, private hire driver or Uber driver looking for a mortgage, we can help. We understand that income can fluctuate and that proving affordability is not always straightforward, so we help present your income clearly and match you with lenders who understand self employed applicants.

Self Employed Taxi Drivers Mortgage Advice

Mortgages for Taxi Drivers explained

If you’re an employed taxi driver, it can be more simple to get a mortgage. You just present your payslips to the lender and they will assess your affordability like any other employed person. Of course we can help you with this.

If you are a self employed taxi driver or an Uber Driver, it can be more complicated. We often hear some of the following things from Taxi Drivers:

My income can fluctuate with seasonality
I haven’t been a self employed for long and so don’t have that much income evidence
My income has been impacted by Covid
I don’t know how to present my income to a mortgage lender

Whatever your concern, we can help.

As a self employed person, it can be more challenging to apply for a mortgage but by no means impossible.

We know what documents you need to provide to the lender to prove your affordability. We have relationships with specialist lenders who are more likely to accept applications from Taxi Drivers and Uber drivers. We also know how to package your income to maximise the likelihood of a successful outcome.

By using an experienced mortgage adviser like us, we can help guide you through this whole process and help make it as stress free as possible. We can help you by:

Uber / private hire / taxi driver mortgages
SA302s, tax year overviews & accounts explained
Fluctuating income and multiple platforms
Day rate / weekly earnings evidence
UK wide phone/video appointments

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.

Do I need a different type of mortgage as a Taxi Driver?

There is no specific Taxi Driver mortgage. However the way that you apply for the mortgage and the way the lender assesses your income is different to an employed person. We will apply for your mortgage as a self employed person.

The mortgage lender will want to see evidence that you earn enough to be able to afford the mortgage you are applying for. To prove your income when you apply for a self employed mortgage, you will generally need to provide:

A set of certified accounts – generally this should be two or three years, but can be one year for some lenders
SA302 forms or a Tax Year Overview which you can get from HMRC. Again this is generally two or three years but can be one year for some lenders
If you are a Company Director you will need to provide evidence of dividend payments and or retained profits
Six months’ Bank Statements which they will look through in order to assess affordability based on income and outgoings

In addition to your employment income, the lender will also need to see documents which prove you are who you say you are, live where you say you live and that you have a right to live in the UK.

At Your Mortgage Expert, we can help pull all this documentation together and ensure the lenders have all the information they need. We can also give advice if you only have 1 year of accounts.

We can also look at different types of mortgages which might be more suited to the way you are paid. You may also want to look at an Offset mortgage or a mortgage with greater flexibility to take payment breaks. This will take advantage of the fluctuations in your pay. For example, it might be useful for you to overpay or underpay or even take a payment break.

Get in touch today for Self Employed Taxi Driver Mortgage Advice. We can simplify the whole process and help save you time, money and hassle.

Mortgages for Uber and private hire drivers

If you drive for Uber or private hire apps, your income may come from multiple sources and can vary month to month. Lenders will usually want to see a clear income picture – typically through SA302s/tax year overviews (if self-employed) and/or bank statements showing regular earnings.

We can help you present your income clearly, including where you have a mix of platforms, tips, expenses, or seasonal fluctuations, and match you to lenders whose criteria fits self-employed and variable income.

Documents taxi drivers often need

SA302s + Tax Year Overviews (usually 2 years, sometimes 1)
Bank statements (typically 3 months)
Photo ID + proof of address
Deposit evidence / source of funds
If Ltd company: accounts + salary/dividends (and sometimes retained profits depending on lender)

Book a Mortgage Appointment

Why choose Your Mortgage Expert

We help self employed applicants understand their mortgage options clearly and present their income in a way lenders can assess properly.

Clear advice without unnecessary jargon
Help with self employed and variable income cases
Support with documents and affordability questions
Flexible appointments by phone, video or in person
Support from enquiry through to completion

This page was last updated in April 2026

Frequently Asked Questions

Can a self employed taxi driver get a mortgage?

Self employed taxi drivers can get a mortgage, but lenders will usually want to see clear evidence of income and affordability.

How many years of accounts do I need for a taxi driver mortgage?

Many lenders prefer two or more years of accounts or SA302s, but some may consider applicants with one year of accounts depending on the circumstances.

Can I get a mortgage if my income goes up and down?

Variable income does not automatically stop you getting a mortgage, but lenders may assess it differently depending on how consistent it has been and how it is evidenced.

Do Uber drivers and private hire drivers get treated differently by lenders?

Not necessarily, but lenders will want to understand how your income is earned and evidenced, especially if it comes from multiple platforms or varies from month to month.

What documents do taxi drivers usually need for a mortgage?

This often includes SA302s, tax year overviews, bank statements, proof of ID, proof of address and evidence of deposit. Some lenders may also ask for accounts or additional business information.

Can I get a mortgage with one year of self employed income?

Some lenders may consider this, although criteria can be stricter and the supporting documents become especially important.

Can self employed taxi drivers remortgage?

We can help self employed taxi drivers review their mortgage options when their current deal is coming to an end.

Can you help first time buyers who are taxi drivers?

We can help first time buyers understand affordability, deposit requirements and the documents lenders may ask for.

Mortgages for Self Employed Taxi Drivers, Uber & Private Hire Drivers

Speak to an adviser

By clicking ‘Send’ you agree for us to use your data to contact you about your mortgage requirements. Further details on how we process your personal data can be found in our privacy policy.