4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
When you apply for a mortgage as a sole trader, lenders don’t look at what you invoice or what passes through your business account. They look at what HMRC says you earned. Typically, this means your SA302 tax calculation forms and your tax year overviews, usually covering the last two to three years.
Most high street lenders will average your last two years of net profit to calculate your income. If your earnings have grown significantly, this averaging approach can actually understate your current earning capacity.
We work with lenders who look beyond averaged tax returns, ensuring your application reflects your current earning power rather than a diluted figure from the past.
From prime London properties to executive new builds, we access specialist lenders and private banks experienced in high-value sole trader applications.
Earnings that fluctuate by season or year? We identify lenders comfortable with variable income patterns and present your annual figures in the strongest possible way.
Whether switching rate, releasing equity, or expanding into buy-to-let, we source solutions structured around how sole trader income works.
Private Finance works with a panel of lenders that includes private banks and specialist providers who are experienced in assessing complex, high-value applications. These lenders understand that self-employed income doesn’t look the same as a payslip, and they’re equipped to underwrite applications where the borrower’s wealth, assets, and earning potential tell a more complete story than a standard affordability calculation would suggest.
We handle high-value sole trader mortgage applications regularly. From properties in prime London locations to rural estates and executive new builds, we know how to present your income and assets to the lenders who are most suited to help.
If you’ve recently gone self-employed, particularly if you’ve moved from employment in the same industry, there are lenders who will take a pragmatic view of your situation. We can help you build a compelling case that combines your SA302, business bank statements, and professional background to demonstrate income stability even in the early stages of your sole trading career.
Private Finance is a whole-of-market mortgage broker with deep expertise in self-employed lending. We don’t just submit applications — we build cases. For sole traders, that means understanding the nuances of how your income is structured, which lenders are most likely to be receptive, and how to present your finances in a way that accurately reflects your earning power.
We work with sole traders across a wide range of industries and income levels, from those buying their first home with a modest deposit to established business owners securing seven-figure mortgages on premium properties. Our advisers take time to understand your full financial picture before recommending a route forward, and we manage the entire process from initial assessment through to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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