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Self-Employed Mortgages

The assessment criteria for self-employed professionals varies greatly from lender to lender in the UK property finance market. Generally speaking, you need to provide two years of accounts to prove your income and be approved for a self-employed mortgage. However, this is not always the case. Our brokers fully understand the complexities of underwriting a mortgage for a self-employed client and can help negotiate the right deal for you.

Self-Employed Mortgages

We pride ourselves on offering an outstanding service for clients looking to secure a self-employed mortgage on UK property.

At LDNfinance, we work with a broad spectrum of self-employed clients – from directors of well-established limited companies, through to professionals commencing their freelance careers. Our experienced advisers take the time to develop a deep understanding of the financial position of our self-employed property finance applicants. We often work alongside our clients’ accountants to ensure that all necessary financial information is accurate and complete. This ensures swift and decisive approvals from our network of self-employed mortgage lenders and keeps things moving for our clients.

Our mortgage advisers place great emphasis on our access to an extensive panel of lenders. This allows our team to find competitive mortgage products for self-employed professionals. Our network spans mainstream mortgage lenders, through to specialist and alternative lenders that are agile and have an appetite to lend to hard-working individuals.

To discuss your self-employed mortgage and circumstances in more detail, get in contact with our expert team today.

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our values

How we work



Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.



We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.



We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

Secure your self-employed mortgage with LDNfinance

At LDNfinance, we understand that self-employed mortgages require a bespoke and tailored approach. It all comes down to strong relationships and industry contacts. Our expert brokers have a wealth of experience in securing high-value and complex self-employed borrowing, working closely with our trusted network of private banks and specialist lenders who offer self-employed individuals property finance at competitive, market-leading rates.

We will work quickly and efficiently on your behalf, providing you with our unrivalled knowledge of the property finance market, rates, and options. Working with our extensive network of trusted lenders, we are dedicated to providing you with the best solutions to suit your circumstances – no matter the complexity.

Whether you are a well-established limited company, or a sole trader with only six months’ trading history, our mortgage advisers have the contacts and expertise to liaise with lenders that are prepared to assess your mortgage application on its own merits.

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Your trusted residential mortgage partner, dedicated to you

There are many obstacles and challenges that may arise when securing a self-employed mortgage, but that doesn’t at all mean that it isn’t possible to get a loan on desirable terms. It all comes down to your ability to clearly demonstrate your income and affordability. Being prepared with paperwork ready to go, and knowing which type of lender will be able to take a bespoke and holistic view of your case and financial profile.

This is where a specialist self-employed mortgage broker can be crucial to achieving a successful outcome. They can help you to navigate this complex area of property finance and ensure you feel in control and comfortable at every stage of the process.

We have extensive knowledge of the industry as well as excellent relationships with a trusted network of mainstream, private and specialist lenders. This makes for a powerful resource when used in combination and ensures that we know exactly which lenders will suit your needs and what they will be looking for. We take a holistic approach to understand your circumstances in their entirety, no matter how complex your background may be, before presenting the lender with your case in the best possible light.

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Our happy clients

Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.

Mr. M

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.

Mr. H

July 2021

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Contact our professional and experienced residential mortgage advisers and start your property finance journey today.


Prefer to chat? Call us on 020 3903 9875


5-star assurance for service and excellence