Don’t let self-employment stand between you and your dream property

We’ve helped hundreds of self-employed people secure mortgages that unlocked the doors to their dream homes.

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How we can help with your Self Employed mortgage:

Self-employment is a superpower, not a liability

We know how hard you worked to become your own boss, and we’ve got the industry connections and knowledge to make finding the right mortgage a breeze.

You have options. Period

Your career isn’t like everyone else’s, why should your mortgage be? Because we’re not tied to a specific lender, we find the products genuinely right for you, with unbiased, honest advice along the way.

Flexible income requires a flexible mortgage

We know the market and we know the rules. Let us help you find a mortgage that moves with you, not against you.

Let us find a self employed mortgage for you

Speak to one of our friendly advisers today, and download your credit report via 'Check my file', to kick start the process.

Product FAQs:

Yes, owning a limited company will not stop you from obtaining a mortgage.

Getting a mortgage as a business owner can be challenging because lenders often perceive self-employed borrowers as high-risk. One reason for this is that self-employed individuals tend to legally minimise their earnings to reduce tax liabilities. While this is a common practice, it can have drawbacks when applying for a mortgage, as it might make it harder to demonstrate a stable and sufficient income.

In summary, obtaining a mortgage as a business owner can be difficult due to lenders’ perception of self-employed borrowers as high-risk and the potential challenges in showcasing a stable and adequate income. To increase the chances of securing a mortgage, it’s crucial for self-employed individuals to prepare thorough financial documentation and consult with a mortgage adviser to explore their options.

Mortgage companies assess self-employed applicants differently than salaried individuals when determining their eligibility for a mortgage. Generally, lenders will examine your net profit over the past two to three years if you are a sole trader. They will then calculate an average from those figures to establish your earnings.

In summary, mortgage companies typically evaluate self-employed applicants by looking at their net profit over the past two to three years and calculating an average income from those numbers. It’s essential for self-employed borrowers to prepare their financial documentation carefully and consult with a mortgage adviser to better understand the mortgage application process and their options.

Self-employed mortgages are not inherently more expensive. As long as you can provide sufficient information about your income, you may be eligible for the same mortgage deal as someone with a comparable salary in a permanent, full-time job. The key is to present a strong financial profile and demonstrate a stable income, which will help you secure a competitive mortgage rate similar to those available to salaried borrowers.

In summary, self-employed mortgages do not necessarily come with higher costs, as long as you can furnish adequate income documentation and meet the lender’s requirements.

Proof of income for self-employed individuals applying for a mortgage typically involves providing lenders with SA302 forms. These forms serve as evidence of your self-employed income. Lenders usually prefer to see three SA302 forms to assess your earnings. If you have filed your tax return online, you can obtain your SA302 forms by printing them from your HMRC online account. If you submitted your tax return by post, you will need to contact HMRC to request the forms, which may take up to two weeks to be delivered.

In summary, proof of income for self-employed borrowers seeking a mortgage often consists of providing three SA302 forms. These forms can be obtained from your HMRC online account or requested from HMRC if you submitted your tax return by post.

What our customers think:

Kashif SharifKashif Sharif
15:32 22 Sep 23
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Gary CorbettGary Corbett
18:08 15 Sep 23
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Sandra BSandra B
13:45 31 Aug 23
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
Lee TomlinsonLee Tomlinson
22:33 30 Aug 23
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Joe NewmanJoe Newman
17:20 22 Aug 23
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
joey awaritefejoey awaritefe
20:38 17 Aug 23
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Jason EdgeJason Edge
22:04 16 Aug 23
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
Jamie BoxallJamie Boxall
11:07 16 Aug 23
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Conor HarrisonConor Harrison
18:38 21 Dec 22
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
King Panda PropertiesKing Panda Properties
08:12 03 Dec 22
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Simon CharnockSimon Charnock
17:46 14 Sep 22
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
Carys GreenCarys Green
18:15 11 Jan 22
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Dessi DonchevaDessi Doncheva
16:21 13 Mar 21
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!
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