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While being self employed can sometimes present more challenges than traditional employment, lenders do offer flexible mortgage solutions designed for business owners, freelancers, or contractors.
Typically, you’ll need to provide documentation, such as two to three years of accounts or tax returns, to verify your income.
Working with a specialist mortgage broker in Bristol like us can significantly improve your chances of getting a deal suited to your unique financial situation, as they have access to a range of lenders and products tailored for self employed applicants.
When it comes to self employed mortgages in Bristol, the deposit requirements generally align with those for traditional mortgages.
Most lenders will look for a minimum of 5% to 10% of the property value as a deposit. However, some lenders might ask for a larger deposit, especially if your income varies significantly or you have a shorter trading history.
A higher deposit can also increase your chances of securing a more favourable interest rate. Getting mortgage advice in Bristol can help you understand your options and find the right mortgage deal based on your deposit and financial circumstances.
Lenders will assess your income for a self employed mortgage in Bristol by looking at your trading history, typically focusing on the past two to three years of accounts or tax returns.
They often consider your net profit or the salary and dividends if you operate as a limited company. Some lenders might also take into account your business’s retained profits.
The assessment can vary depending on the lender, which is why speaking with a mortgage advisor in Bristol can be beneficial. They can guide you through the process and match you with lenders who are more flexible with their criteria for self employed individuals.
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.
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215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Booking a free initial mortgage appointment with our team of expert brokers is the first step towards securing your self employed mortgage in Bristol.
We’ll discuss your unique financial situation, review your documents, and explore the most suitable options tailored to your needs.
As a specialist mortgage broker, we have access to 1000s of mortgage products, including those designed specifically for self employed applicants.
This wide range means we can find competitive deals that suit your income structure, whether you’re a sole trader, contractor, or limited company director.
Once we’ve identified the right mortgage for you, we’ll handle the application process, presenting your case to the lender in the most suitable light.
Our experience with self employed mortgages in Bristol means we know what lenders are looking for and can ensure your application has the best chance of success.
After your mortgage application is approved, we’ll work closely with solicitors and lenders to ensure a smooth journey to completion.
You’ll receive support from start to finish, so you can focus on getting ready to move into your new Bristol home.
We offer a free initial mortgage appointment to all self employed clients, giving you the opportunity to discuss your needs with an experienced mortgage broker in Bristol.
This initial conversation helps us understand your unique situation and set you on the right path to finding the most suitable mortgage deal.
With access to 1000s of mortgage products, we’re well-equipped to find a suitable option tailored to self employed individuals.
Whether your income varies month-to-month or you have a complex financial setup, we’ll source the right mortgage that meets your circumstances.
Our dedicated service is designed to make the self employed mortgage process as straightforward as possible
From your initial enquiry to the moment you get your keys, we provide expert guidance, handling the tricky parts so you don’t have to.
We understand that self employed individuals have busy schedules, so our team is available 7 days a week to work around you.
You can contact us at a time that suits you, ensuring you receive support when you need it most.
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.
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Bristolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Bristolmoneyman 2009–2026
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Bristolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Bristolmoneyman 2009–2026
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