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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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4.90 Rating10 Reviews
Tamsyn
As first time buyers my partner and I were uncertain of our mortgage options so we chose to use UK Moneyman and I’m so glad we did. I have been really impressed with the service I have received from Jason and Debbie. From the initial...
3 months ago
Anonymous
Excellent service, kept up to date and was advised every step throughout the process.
7 months ago
Anonymous
Dan and Jonathan were both brilliant and kept me informed all the way after helping me find the product that was suitable for me. I wouldn't hesitate to use Moneyman again. We communicated by email and telephone.
1 year ago
Anonymous
A bit of background - I was coming to the end of an interest only mortgage so sought advice on my options with the UKMoneyman and was introduced to Dan who was very helpful and went through my options of the different products and the pros and cons...
1 year ago
Adam
Worth their weight in gold. Helped navigate a complex mortgage enquiry, we would have fallen at the first hurdle if we were applying on our own. Excellent response times and always kept us informed. Was on the fence about going with a broker at all...
2 years ago
James
Malcolm and his team are so helpful, from the first call I had to discuss options all the way to getting my mortgage offer today. Any query I've had they answered immediately and offered to talk through my options, my case worker Lizzi was...
2 years ago
Jessica
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
3 years ago
Anonymous
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
3 years ago
Eamonn
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
5 years ago
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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