A Guide to Self Employed Mortgages

Guide to Self Employed Mortgages

Being self-employed doesn't mean homeownership is out of reach. At Abodo, we understand that your professional journey is unique, and your mortgage should reflect that. Gone are the days when being your own boss meant navigating an impossible mortgage maze.

We specialise in turning your entrepreneurial spirit into a powerful asset for securing your dream home. Whether you're a freelancer, contractor, business owner or sole trader, your hard work and financial ambition deserve recognition - and we're here to make that happen.

The traditional mortgage application can feel like an obstacle course for self-employed professionals. Banks often demand mountains of paperwork, scrutinise every detail and seem to speak a language entirely their own. We translate that complexity into clear, actionable guidance.

Our approach goes beyond simply finding a mortgage. We're your financial partner, committed to understanding the world of self-employed income. We know that your earnings might not follow a traditional path, and that's exactly why you need a mortgage adviser who sees beyond standard templates.

What sets us apart?

• Comprehensive market knowledge
• Deep understanding of self-employed financial structures
• Tailored advice for your specific professional situation
• Expertise across multiple self-employed categories

We work with a wide range of self-employed professionals:

• Freelancers across multiple industries
• Contractors with fixed-term or rolling contracts
• Business owners and company directors
• Sole traders building their dream
• Professionals with multiple income streams

Documentation can often feel like the biggest hurdle. We'll guide you through gathering the right evidence, whether that's:

• SA302 forms
• Certified accounts
• Tax calculations
• Proof of consistent income
• Business bank statements

Our team doesn't just look at numbers - we look at your entire financial story. A dip in one year doesn't define your financial potential. We'll help lenders see the full picture of your professional success.

We understand that self-employed income can be complex. Fluctuating earnings, reinvesting in your business, or taking strategic breaks aren't weaknesses - they're signs of a dynamic, strategic professional. We'll help you present your financial journey in the most compelling light.

You can trust that our advice meets the highest professional standards. We're committed to transparency, integrity and finding mortgage solutions that truly work for you.

Your self-employed status isn't a barrier to homeownership - it's a testament to your ambition. At Abodo, we're excited to help you turn that ambition into the keys to your new home.

Ready to explore your mortgage options?

Let's have a conversation that goes beyond traditional banking.

Get in touch with our mortgage experts