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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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Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
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
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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