Yes, but the assessment looks different
Self-employed applicants can absolutely get a mortgage, but lenders assess your income differently to someone on a fixed salary. Rather than a single payslip figure, lenders typically want to see a pattern of income over time, usually the last two to three years, to understand what you can reliably borrow against.
What lenders typically ask for
The exact documents depend on how your business is structured. Sole traders are commonly asked for SA302 forms or a tax year overview from HMRC, company directors are often asked for company accounts and sometimes dividend or salary evidence, and contractors may be assessed on day rate and contract history rather than annual accounts alone.
Why an adviser helps here
Different lenders treat self-employed income differently, and some are more flexible than others about how they average income across years or treat a single stronger year. An adviser who understands this can point you toward lenders whose criteria actually fit how your business earns.
