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Self-Employed Mortgages in Hull & East Yorkshire

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Getting a mortgage when you’re self-employed can feel more complicated than it really is but with the right guidance, it doesn’t have to be.
At Green & Green Mortgage and Protection, we specialise in helping self-employed clients across Hull and East Yorkshire find the right mortgage, no matter how their income is structured.
Whether you’re a sole trader, limited company director, contractor, or freelancer, we know exactly how to position your application to maximise your chances of approval. Lender criteria vary a lot, and that’s where our experience makes the difference.
We’ve helped hundreds of people just like you and earned over 300 5‑star Google reviews from clients who trust our straightforward approach.
If you’re not sure whether you’ll qualify, start with a chat with a self-employed mortgage adviser in Hull. We'll help you understand your options clearly and simply.

Why Speak to a Self‑Employed Mortgage Adviser in Hull?

It’s a common myth that self‑employed people struggle to get a mortgage. The reality? Many lenders are perfectly happy to lend they just need your income presented properly.
Working with a self‑employed mortgage specialist in Hull means you’ll get expert help with:
How lenders assess your income
Which lenders are most suitable for your situation
How to present your accounts to strengthen your application
What documents you’ll need to provide
How much you can borrow based on your income
Instead of trying to decode lender criteria yourself, we’ll do the research for you and match you with banks and building societies that understand your income type. Want a deeper dive? Read our full guide!
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Who Do Lenders Class as Self‑Employed?

Wondering if you technically count as “self‑employed”? Most lenders say you do if you own 20–25% or more of a business or receive income outside a PAYE salary. That typically includes:
Sole traders
Limited company directors
Partnerships
Contractors
Freelancers
CIS (Construction Industry Scheme) contractors
Each setup is viewed differently by lenders. A self‑employed mortgage adviser in Hull will know which lenders are more flexible and how best to present your income to meet their criteria.

How Many Years of Accounts Do I Need to get a mortgage?

Most lenders ask for two years of accounts when applying for a self‑employed mortgage. But don’t panic if you’ve only recently gone solo there are options. Some lenders will consider applicants with:
Just one year of accounts,
Strong recent income growth, or
A contractor history showing consistent work.
The key is stability the more clearly you can evidence steady earnings, the more choices you’ll have. We can identify lenders open to new business owners or complex income streams and prepare your case accordingly.

What Documents Will I Need to get a mortgage when self employed?

Because lenders can’t just look at your payslips, they’ll need a bit more information to understand your finances. You’ll usually need to provide:
For all self‑employed applicants:
SA302s (Tax Calculations)
Tax Year Overviews
Business bank statements
If you’re a limited company director you will need those documents above as well as:
Full, finalised company accounts
Company bank statements
Each lender looks for slightly different evidence we’ll tell you exactly what’s needed and how to organise it so your application goes through smoothly.

How Do Lenders Assess Self‑Employed Income?

This part can be confusing but it’s one of the most important. Different lenders use different methods depending on how you’re set up.

Sole Traders

Lenders will use your net profit (after expenses) from your SA302s often averaged across the last two years to calculate affordability.

Limited Company Directors

Most lenders will assess either your:
Salary + dividends, or
Salary + net profit (this often suits directors who leave money in the business).
Each lender’s rules vary, and we’ll compare which approach is best for your situation. Lenders will use one of the methods above, they will not use both.

Contractors and Freelancers

Some lenders use your day rate to calculate income, typically:
Day rate × number of working days × 46 weeks per year (This allows for holiday or downtime.)
We’ll identify the lenders who best match your working pattern whether you’re contracting via your own limited company, umbrella company, or on short‑term assignments.

Why Choose Green & Green for Self‑Employed Mortgages in Hull?

Getting it right matters and experience counts. At Green & Green, we’ve helped countless self‑employed professionals secure mortgages that reflect their true earnings, not just what’s on paper.
When you work with us, you get:
✔ Access to 80+ mortgage lenders
✔ Advice tailored to your income and business structure
✔ A dedicated adviser from start to finish
✔ Support with your documents, applications, and lender communication
✔ Guidance on protection and insurance options to safeguard your mortgage
We also help clients with related needs such as:
First‑Time Buyer Mortgages in Hull
Remortgages in Hull
Home Mover Mortgages
Bad Credit Mortgages

Speak to a Self‑Employed Mortgage Broker in Hull

If you’re self‑employed and thinking about buying a home or remortgaging, talking to an expert early on can save you time and stress. We’ll help you:
Understand how your income will be assessed
Identify lenders who accept your business type
Calculate what you can borrow
Guide you through every step of the process
Our Hull‑based mortgage advisers specialise in supporting self‑employed clients, so you can move forward with confidence knowing your application is handled correctly.
Book your free self‑employed mortgage consultation today:
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Self‑Employed Mortgage Advice in Hull: Your Questions Answered

Q: Can I get a mortgage with just one year of trading?

Yes — some lenders accept applicants with one year of accounts if you’ve worked in the same industry or have a strong trading record.

Q: Do self‑employed people need a bigger deposit?

Not always. Many lenders still offer self‑employed mortgages with a 5% deposit, although a larger deposit can unlock better interest rates.

Q: Can I get a mortgage with fluctuating income?

Yes, lenders often average your income over the last two years. If your latest year is higher, they’ll normally take an average; if it’s lower, some may only use that year’s figure. We’ll find the lenders most suitable for your situation.

Q: Is it harder to get a mortgage when self‑employed?

It can take more paperwork, but it’s not necessarily harder just different. With the right preparation and guidance from a mortgage broker who understands self‑employed applicants, it’s absolutely achievable.
Whether you’re newly self‑employed or a long‑time business owner, Green & Green Mortgage and Protection will help you find the right mortgage, simplify the process, and make home ownership in Hull completely achievable.

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