self employed mortgages

Mortgages for Self-Employed Professionals

Arranging a mortgage as a self-employed borrower requires lenders who understand how your income is structured. Standard lending criteria often falls short when income is drawn through dividends, retained profits or variable earnings. At Intra Mortgage Solutions, we work with specialist and high street lenders who take a more flexible and realistic approach to self-employed income. Whether you are a sole trader, company director or business owner, we ensure your financial position is clearly structured and presented in line with lender requirements. We focus on placing your application with the right lender from the outset, giving you a stronger position and a smoother path to approval.

Understanding Your Income & Lending Options

Self-employed mortgages require a closer look at your income and business structure. We help you prepare and position your application correctly.

We can support with:

• One year or multiple years of accounts

• Salary and dividend income

• Retained profits within a limited company

• Irregular or seasonal income

• Newly established businesses (subject to criteria)

Every lender has different requirements. We match you with those who are more flexible and suited to your situation.

A Structured Approach to Securing Self-Employed Mortgage

We keep the process clear and straightforward, while handling the complexity in the background.

• Review your accounts, tax returns and income structure.

• Explain how lenders will assess your earnings.

• Identify lenders suited to self-employed applicants.

• Structure your application to improve approval chances.

• Manage the process through to offer and completion.

If you are unsure where you stand, speak to Intra Mortgage Solutions for clear guidance and tailored advice.