With over 5 million people in the UK self-employed, there is a real need for mortgage lenders to have solutions for them.

For some it can feel that mortgage lenders still fail to understand self-employed individuals compared to those that are in employment. 

Whether you are a Sole Trader, Limited Liability Partnership or Limited Company, you can be viewed differently by a wide range of lenders.

In some cases, the same lender would treat the variety of setups very differently. One thing is for sure, all lenders will treat you, as a self-employed person, differently to someone in full time employment.

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Being Self Employed can therefore mean that it can be more complex to obtain a mortgage. There are several factors that can be considered which doesn’t even become part of the equation for those in an employed position.

This includes;

How long you have been trading

Your Company Set Up (i.e Sole Trader, Limited Liability
Partnership (LLP), Limited Company)

What income the lender will consider (ie Salary, Dividends, Net Profit Before Tax, Net Profit After Tax)


Our aim at Cambridgeshire Money is to navigate all of this complication on your behalf.

We take the time to understand you and your company, the income that you receive and the various sources that it may come from. We then use that information to find the best mortgage lender for your individual circumstances

Contact Us


Call: 01480 573110

Email: enquiries@cambs-money.co.uk

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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Think carefully before securing debt against your home. Your home may be repossessed if you do not keep up payments on your mortgage or any other loans secured on it.

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