Self-Employed? Get a Mortgage in 2025

Self-Employed? Here’s How to Secure a Mortgage in 2025
Mortgages for the Self-Employed: Sole Traders, Partnerships, and Limited Companies Explained

In this episode, we delve into the complexities of obtaining a mortgage for self-employed individuals. Watch as we break down the three main types of self-employment: sole traders, partnerships, and limited company directors. Learn how mortgage lenders assess income from different self-employment types, including the importance of trading accounts, tax returns, and profit shares.
Discover how lenders handle income for limited company directors, even in family-run businesses with multiple directors. We also discuss age limitations, loan-to-value ratios, and special considerations for self-employed individuals seeking mortgages. Get expert advice to navigate the mortgage landscape and ensure your self-employed status doesn't hinder your chances of securing a mortgage.

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About Paul Welch

Paul is a distinguished figure in the financial sector, frequently featured in prominent media outlets like the Financial Times, Bloomberg, and Forbes.

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00:00 Introduction to Self-Employed Mortgages
00:35 Limited Company Directors and Mortgages
01:43 Assessing Income for Mortgages
03:35 Sole Traders and Partnerships
05:07 Loan to Value and Mortgage Options
05:32 Age Limitations and Exceptions
07:01 Conclusion and Advice