Self Employed Mortgages

Being self-employed shouldn't be a barrier to getting a mortgage — and at Dent & Cook, we make sure it isn’t.

 

Whether you're buying your first home, moving, investing, or remortgaging, we help self-employed clients across the UK access the mortgage options they deserve.

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With tailored advice and lender expertise, we turn complex income into confident approvals.

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How Are Self-Employed Mortgages Different?

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Lenders assess self-employed income differently than salaried applicants — but with the right preparation, the process can be just as smooth. We help you:

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• Understand your borrowing power

• Match with lenders that understand variable income

• Gather the right documents (e.g. SA302s, tax returns, accountant references)

• Explore both personal and limited company income options

• Get pre-approved, so you can move forward confidently

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Whether you’ve been trading for one year or ten, we know how to present your income to get the best result.

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Who We Help

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We specialise in helping:

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• Sole Traders

• Limited Company Directors

• Freelancers and Contractors

• Newly Self-Employed (1–2 years of accounts)

• Portfolio landlords using rental income

• Clients with multiple income sources or retained profits

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Ready to get started?
Click the icon at the top of this page to be redirected to our external booking site and secure your free, no-obligation appointment with one of our expert advisors.