How many years of accounts do I need?

While many banks ask for three, we have access to lenders who will consider your application with just one full year of trading history.

Can I use my latest year’s figures?

Yes. If your business has grown significantly, we can find lenders who will ignore older, lower figures and base their decision on your most recent (and higher) earnings.

What if I’m a Limited Company Director?

We look at your salary plus your share of the business's net profit. This often unlocks significantly more borrowing power than simply looking at dividends.

Do I need a huge deposit?

Not necessarily. If your income stacks up, you can often access the same 5% or 10% deposit deals as a PAYE employee—you just need the right lender to approve the application.

Self Employed Mortgages

Self Employed?

We See the Full Picture

From retained profits to day-rate contractors, we navigate the complexities of self-employed accounts to find the lenders that actually say "Yes."

Tax Efficiency shouldn’t mean a Mortgage Refusal.

Most high-street banks use "one-size-fits-all" software that struggles with complex income. If your accountant has been clever with your tax planning, your "on-paper" salary might not reflect what you can actually afford.

At Ezra, we speak the language of accounts. We work with specialist lenders who understand:

Retained Profits: Borrowing against the money left in your Limited Company, not just what you drew as a salary.

Net Profit for Sole Traders: Using your latest figures, even if you only have one year of accounts.

Contractor Day Rates: Calculating affordability based on your daily contract rate rather than an annual average.

Who We Help.

We support most types of income

Limited Company Directors

Using salary, dividends, and your share of retained net profit to maximize your borrowing power.

CIS & Freelance Contractors

We use your gross contract value or daily rate for affordability, regardless of your tax deductions.

Sole Traders & Partnerships

Solutions for those with only one year of accounts or those whose profits are trending upwards.

Other Complex Income

For those with multiple income streams, property portfolios, or seasonal fluctuations.

Why Ezra Finance?

Packing Your Case for a "Yes"

1. The Deep Dive: We review your SA302s and accounts to find the most favourable way to present your income.

2. Specialist Access: We go straight to underwriters at specialist banks who manually review every case.

3. Being Proactive: If your profits dipped last year, we explain the "why" to the lender so it doesn't hold you back.

Frequently asked questions

Self Employed FAQs

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

Ready to Apply?

Get in touch and one of our advisors can guide you through the process