Compare Self-Employed Mortgages

Although self certified mortgages are no longer available there are still many mortgage options for self employed borrowers. Check the comparison table below for the latest rates on self employed mortgage products.


Popular Mortgages

Self employed mortgages

Mortgage Type

Buy to Let: For landlords purchasing a property for letting.
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

NatWest
2yr BBR + 1.69% LTV 60% Direct
+ More Details
Tracker2.19%31/10/20154.00%3.80%60%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr BBR + 1.69% LTV 60% Direct
+ More Details
Tracker2.19%31/10/20154.00%3.80%60%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 096 7446
Yorkshire Building Society
2yr BBR + 1.74% LTV 75% Direct
+ More Details
Tracker2.24%30/06/20154.99%4.60%75%£975MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:yes
HSBC
Lifetime BBR + 1.88% LTV 60% Special Direct
+ More Details
Tracker2.38%termn/a2.50%60%£1499MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
Santander UK plc
2yr BBR + 1.94% H/P C/B LTV 70%
+ More Details
Tracker2.44%24 months4.74%4.50%70%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:no
Call Direct
0800 032 4610
Santander UK plc
2yr BBR + 1.94% R/M C/B LTV 70%
+ More Details
Tracker2.44%24 months4.74%4.40%70%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:no
Homemover:no
Remortgage:yes
Call Direct
0800 032 4610
Yorkshire Building Society
2yr BBR + 1.94% Offset LTV 75% Direct
+ More Details
Tracker2.44%30/06/20154.99%4.60%75%£975MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:yes
Halifax
2yr BBR + 2.09% C/B LTV 60% Ex/C Direct >£1m
+ More Details
Tracker2.59%31/08/20153.99%4.10%60%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 154 4126
Halifax
2yr BBR + 2.09% LTV 60% Direct >£1m
+ More Details
Tracker2.59%31/08/20153.99%4.10%60%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 154 4126
Yorkshire Building Society
2yr BBR + 2.09% H/P LTV 75% Direct
+ More Details
Tracker2.59%30/06/20154.99%4.70%75%£475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:no
Yorkshire Building Society
2yr BBR + 2.09% R/M LTV 75% Direct
+ More Details
Tracker2.59%30/06/20154.99%4.70%75%£475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:yes
HSBC
Lifetime BBR + 2.19% LTV 70% Direct
+ More Details
Tracker2.69%termn/a2.80%70%£599MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
HSBC
Lifetime BBR + 2.19% LTV 70% Ex/C Adv Direct
+ More Details
Tracker2.69%termn/a2.80%70%£399MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
HSBC
Lifetime BBR + 2.19% LTV 70% Ex/C Prem Direct
+ More Details
Tracker2.69%termn/a2.80%70%£299MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
HSBC
Lifetime BBR+2.19% LTV 60% Fee Free Special Direct
+ More Details
Tracker2.69%termn/a2.70%60%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
NatWest
2yr BBR + 2.19% LTV 60% Direct No Fee
+ More Details
Tracker2.69%31/10/20154.00%3.90%60%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr BBR + 2.19% LTV 60% Direct No Fee
+ More Details
Tracker2.69%31/10/20154.00%3.90%60%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 096 7446
Santander UK plc
2yr BBR + 2.19% H/P C/B Ex/B LTV 75%
+ More Details
Tracker2.69%24 months4.74%4.50%75%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:no
Call Direct
0800 032 4610
Santander UK plc
2yr BBR + 2.24% H/P C/B LTV 75%
+ More Details
Tracker2.74%24 months4.74%4.50%75%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:no
Call Direct
0800 032 4610
Santander UK plc
2yr BBR + 2.24% R/M C/B LTV 75%
+ More Details
Tracker2.74%24 months4.74%4.60%75%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:yes
Call Direct
0800 032 4610
The Mortgage Works
2yr 2.74% Fixed BTL LTV 65%
+ More Details
Buy To Let2.74%24 Months4.99%5.10%65%£5250MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:35%
First time buyer:no
Homemover:yes
Remortgage:yes
Yorkshire Building Society
2yr BBR + 2.29% Offset H/P LTV 75% Direct
+ More Details
Tracker2.79%30/06/20154.99%4.70%75%£475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:no
Yorkshire Building Society
2yr BBR + 2.29% Offset R/M LTV 75% Direct
+ More Details
Tracker2.79%30/06/20154.99%4.70%75%£475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:yes
Post Office Ltd
2yr BBR + 2.39% LTV 75%
+ More Details
Tracker2.89%31/05/20154.49%4.40%75%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:yes
NatWest
2yr BBR + 2.40% LTV 70% Direct No Fee
+ More Details
Tracker2.90%31/10/20154.00%4.00%70%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr BBR + 2.40% LTV 70% Direct No Fee
+ More Details
Tracker2.90%31/10/20154.00%4.00%70%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 096 7446
HSBC
Lifetime BBR + 2.49% LTV 70% Fee Free Direct
+ More Details
Tracker2.99%termn/a3.00%70%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
Precise Mortgages
2yr BBR + 2.49% LTV 75% Semi Excl
+ More Details
Tracker2.99%24 months4.49%Varies75%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
Regional RestrictionYes: See lender.
First time buyer:yes
Homemover:yes
Remortgage:yes
Santander UK plc
2yr BBR + 2.49% H/P C/B LTV 70%
+ More Details
Tracker2.99%24 months4.74%4.60%70%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:no
Call Direct
0800 032 4610
Santander UK plc
2yr BBR + 2.49% R/M C/B LTV 70%
+ More Details
Tracker2.99%24 months4.74%4.40%70%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:no
Homemover:no
Remortgage:yes
Call Direct
0800 032 4610
HSBC
2yr 2.99% Fixed BTL LTV 65% Ex/C Premier Direct
+ More Details
Buy To Let2.99%24 Months5.00%4.99%65%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:35%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0808 115 0607
The Mortgage Works
1yr 2.99% Fixed BTL LTV 75%
+ More Details
Buy To Let2.99%12 Months4.99%5.20%75%£3750MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:yes
Remortgage:yes
Precise Mortgages
2yr BBR + 2.59% R/M LTV 75% Semi Excl
+ More Details
Tracker3.09%24 months4.49%Varies75%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
Regional RestrictionYes: See lender.
First time buyer:yes
Homemover:yes
Remortgage:yes
Santander UK plc
2yr BBR + 2.69% H/P C/B LTV 75%
+ More Details
Tracker3.19%24 months4.74%4.60%75%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:no
Call Direct
0800 032 4610
Santander UK plc
2yr BBR + 2.69% R/M C/B LTV 75%
+ More Details
Tracker3.19%24 months4.74%4.50%75%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:yes
Call Direct
0800 032 4610
NatWest
2yr BBR + 2.75% LTV 75% Ex/B Direct No Fee
+ More Details
Tracker3.25%31/10/20154.00%Pending75%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr BBR + 2.75% LTV 75% Ex/B Direct No Fee
+ More Details
Tracker3.25%31/10/20154.00%Pending75%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 096 7446
Precise Mortgages
2yr BBR + 2.79% R/M LTV 75% Semi Excl Fee Free
+ More Details
Tracker3.29%24 months4.49%Varies75%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
Regional RestrictionYes: See lender.
First time buyer:yes
Homemover:yes
Remortgage:yes
BM Solutions
2yr BBR + 2.79% BTL C/B LTV 60% Exclusive
+ More Details
Buy To Let3.29%24 Months4.84%n/a60%£750MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:no
Homemover:yes
Remortgage:yes
HSBC
2yr 3.29% Fixed BTL LTV 65% Ex/C Direct
+ More Details
Buy To Let3.29%24 Months5.00%4.90%65%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:35%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0808 115 0607
HSBC
Lifetime BBR + 2.89% LTV 80% Direct
+ More Details
Tracker3.39%termn/a3.50%80%£599MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:20%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
Yorkshire Building Society
2yr BBR + 2.89% LTV 85% Direct
+ More Details
Tracker3.39%30/06/20154.99%4.80%85%£975MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:15%
First time buyer:yes
Homemover:yes
Remortgage:yes
BM Solutions
2yr 3.39% Fixed BBR BTL C/B LTV 60% Exclusive
+ More Details
Buy To Let3.39%24 Months4.84%n/a60%£750MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:no
Homemover:yes
Remortgage:yes
Virgin Money
2yr 3.39% Fixed BTL C/B LTV 60%
+ More Details
Buy To Let3.39%24 Months4.79%4.90%60%£3849MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 564 2023
Virgin Money
2yr BBR + 2.89% Tracker BTL C/B LTV 60%
+ More Details
Buy To Let3.39%24 Months4.79%4.90%60%£3849MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 564 2023
BM Solutions
2yr BBR + 2.94% BTL C/B LTV 60%
+ More Details
Buy To Let3.44%24 Months4.84%n/a60%£2250MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:no
Homemover:yes
Remortgage:yes
Halifax
2yr BBR + 2.99% C/B LTV 80% Ex/C Direct >£1m
+ More Details
Tracker3.49%31/08/20153.99%4.20%80%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:20%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 154 4126
Halifax
2yr BBR + 2.99% LTV 80% Direct >£1m
+ More Details
Tracker3.49%31/08/20153.99%4.20%80%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:20%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 154 4126
Post Office Ltd
2yr BBR + 2.99% LTV 80%
+ More Details
Tracker3.49%31/05/20154.49%4.50%80%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:20%
First time buyer:yes
Homemover:yes
Remortgage:yes
Precise Mortgages
2yr BBR + 2.99% LTV 80% Semi Excl
+ More Details
Tracker3.49%24 months4.49%Varies80%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:20%
Regional RestrictionYes: See lender.
First time buyer:yes
Homemover:yes
Remortgage:yes
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

About self-employed mortgages

If you work for yourself, rather than as a full time employee at a company, you'll need a special self-employed mortgage to borrow money for a home.

Available from the majority of the high street lenders, these operate in much the same manner as a normal mortgage in terms of the interest rate, payback and arrangement options available. They are designed for contractors as well as people who run their own firms.

Unfortunately, this market has been abused in the past. A lot of people overstated their earning potential in order to borrow more money and untoward lenders were only too ready to accept what they were told without sufficient evidence. The result was that when the economy went through rocky periods many self-employed people found that their mortgage payments were beyond their means and their homes were repossessed.

Now, tighter controls are in place so that people are less likely to get into difficulties with their mortgages. The banks will generally ask for a minimum of two years' worth of income tax receipts, or verified company accounts as proof of earnings in order to approve a self-employed mortgage.

Of course, this could present problems for you if you are exploiting fully legal loopholes in how you report your income for tax purposes. The help of an accountant or an independent financial adviser may be necessary.

Click here to read more about self-employed mortgages with Know Your Money's dedicated guide.

Mortgage Advice

Speak with a qualified mortgage advisor from Turnkey Mortgages to discuss your mortgage needs

Call: 0808 132 0075

Call centre hours are: 8am to 8pm Monday to Friday 9am to 4pm Saturday. Closed Sundays.

How much is your property worth?

Use the FREE propertypriceadvice.co.uk valuation service for an accurate and up-to-date estimate of the value of any property in the UK.

How much is your property worth?

Use the FREE propertypriceadvice.co.uk valuation service for an accurate and up-to-date estimate of the value of any property in the UK.

Santander Mortgages


Whether you're a first time buyer, moving home or looking to remortgage to us, we have a team of dedicated advisors on the phone who can help.

Call 0800 032 4610

Refused a Mortgage?

Concerned you may not qualify for the mortgage you need? Let expert mortgage advisors from Turnkey Mortgages find the right mortgage for you.

Call: 0808 132 0075

Call centre hours are: 8am to 8pm Monday to Friday 9am to 4pm Saturday. Closed Sundays.