How many years on the books do I need?

Mortgage requirements can vary among lenders, but typically, they look for a track record of at least two to three years of consistent income. This period allows lenders to assess your financial stability and the reliability of your income. However, some lenders may consider applications with a shorter history, so it’s advisable to discuss your specific situation with your mortgage broker in Harrogate.

How will a Lender assess my income?

Lenders assess the income of self employed individuals differently than those with traditional employment. They often look at your average income over the past few years, considering factors such as tax returns, business accounts, and financial statements. Some lenders may also consider your current trading figures. It’s crucial to have well-documented and transparent financial records to provide a clear picture of your income stability and capacity to meet mortgage repayments.

I’m a Director of my own Limited Company

Being a Director of a Limited Company is a common scenario for many self employed individuals. Lenders typically assess your income based on the salary and dividends you receive from the company. They may also consider any additional sources of income, such as bonuses. It’s important to have accurate and up-to-date accounts to demonstrate the financial health of your company. Your mortgage broker in Harrogate can help you navigate the complexities of presenting your income to lenders and finding the most suitable mortgage options tailored to your situation.

Self Employed Mortgages in Harrogate

Mortgage Advice for Self Employed Mortgages in Harrogate

Our team of mortgage advisors in Harrogate is dedicated to assisting you in securing a self employed mortgage product tailored to your specific situation.

Throughout the entire mortgage process, we are committed to providing comprehensive support and guidance, offering mortgage advice in Harrogate and employing every effort to enhance the likelihood of successfully obtaining your mortgage.

With access to a wide array of self employed mortgage products, our mortgage advisors in Harrogate can explore thousands of options. Once we identify the most suitable deal for you, we can initiate the preparation of your mortgage application if you choose to proceed.

Operating seven days a week to accommodate your schedule, feel free to reach out at a time that suits you best. Take advantage of our complimentary mortgage consultation, available to all self employed applicants, and get in touch with us today.

Self Employed Mortgage Advice in Harrogate

1000s of Self Employed Mortgage Products

If you’re interested in discussing mortgage options or exploring potential future possibilities with a mortgage advisor in Harrogate, schedule your complimentary mortgage appointment online or reach out to us via phone.

Securing a mortgage can pose challenges for self employed individuals in Harrogate. Some hurdles may involve not meeting a lender’s criteria or demonstrating sufficient income to meet monthly payment obligations.

Each individual’s assessment varies. Lenders must have confidence in the financial capability of self employed applicants to manage their mortgage. Factors taken into consideration include:

Your salary/income
Your previous years of accounts
Business operating costs and expenses
Bank statements

How is my income assessed as a Self Employed applicant?

The lending criteria for self employed mortgages in Harrogate can differ among various lenders. Our mortgage advisors in Harrogate are dedicated to diligently ensuring that you are connected with the most fitting mortgage deal based on your unique circumstances.

As a trusted mortgage broker in Harrogate, are serviced to cater to our customers and their individual situations. We consistently prioritise your best interests in every aspect of our service.

Speak to an Advisor

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

FAQ's From Self Employed Applicants

Our Customers Love Us

189 5 Star Reviews

amber sheridan

Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.

28 May 2026

Keith Hirst

UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.

22 May 2026

Victor Abrams

I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams

15 May 2026

Julie Brake

We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.

12 May 2026

Abdul khaliq Mayar

I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.

11 May 2026

Flc

Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!

5 May 2026

William Thompson

I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me

29 Apr 2026

Yasir Noori

The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application

16 Apr 2026

Janiene Walton

Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.

29 Mar 2026

Andrea McLaren

What a fantastic team. Can’t recommend them highly enough. Warren and Johnathan were so professional and so easy to talk and explain things to. Everything about my remortgage went smoothly thanks to them. I will certainly be recommending them to friends and family. Thank you guys for all of your help, couldn’t have done it without you.

20 Mar 2026

Our Simple 4-Step Process

Free Initial Mortgage Appointment

During this appointment, your mortgage advisor in Harrogate will look at your assessment to work out your maximum affordability and provide you with an agreement in principle.

We Can Search 1000s of Mortgage Deals

Our team will look through 1000s of mortgage products to find the most suitable deal for your circumstances.

Submit Your Mortgage Application

Once your purchase offer has been accepted, your mortgage advisor in Harrogate will submit your full mortgage application and evidential documents to your lender.

Protecting You and Your Mortgage

Our service won’t just stop here. We will not only secure you the most suitable mortgage deal, we will also recommend relevant insurance to protect you.

Reasons to Choose us

Free Initial Mortgage Appointment

Speaking to a mortgage broker in Harrogate like ourselves with be very beneficial as we will be by your side during the entire process. We are used to dealing with complex mortgage situations. Get in touch today for your free initial mortgage consultation, and let’s book you in to speak to a mortgage advisor in Harrogate today.

1000s of Deals

They use their expert knowledge to try and find solutions for self employed applicants who need help with their mortgage. We are able to use our mortgage market expertise to find you the most suitable mortgage for your circumstances.

Our Service

Customers are the heart of this company. Throughout our many years within the industry, our mortgage advisors in Harrogate have experience helping limited company owners, sole traders, and partners that receive a salary, dividends or a mixture of both.

7 Days a Week

We are proud to provide a tailor-like service to the customer in question. We work with the customer’s best interests at heart, which is why we are here til late to answer any mortgage questions you may have.

Each lender has their lending criteria for self employed applicants. With the help of an expert mortgage broker in Harrogate by your side, our advisors will work hard to find you the most suitable lender for your circumstances.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

We Search 1000s of Self Employed Mortgages in Harrogate

The Home Buying App

Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.

Download For Free

Self Employed Mortgage Advice in Harrogate

Self Employed Mortgage Advice in Harrogate

Mortgage Advice for Self Employed Mortgages in Harrogate

1000s of Self Employed Mortgage Products