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Self-employed mortgage


Self-employed? Buy sooner with Tembo's help

If you're finding it hard to get a mortgage, you're in the right place. We specialise in helping buyers and homeowners boost their affordability, so they can remortgage or buy sooner. To see what options are open to you, click the button below and follow the steps to get a free recommendation, personalised to you.

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British Bank awards 2023 Best Mortgage Broker winner

Discover how much you can really borrow.


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Access to over 100 lenders


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How does it work?

It can be more difficult to get a mortgage if you're self-employed, especially if you've only branched out on your own recently. Although the majority of lenders do offer mortgages to self-employed borrowers, you may be excluded from some first-time buyer schemes and specific deals. There can be other hurdles which push your buying timeline back, such as needing to provide 2-3 year's worth of accounts, as well as evidence of your taxes.

This is why having a mortgage expert on your side can be a game-changer. At Tembo, you'll get your own dedicated mortgage team, who can walk you through exactly what you need to provide, and when. Plus, they'll search our panel of over 100 mortgage lenders to find you the best deal and lender for your situation.

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Things to consider


What are the benefits?

There are ways to boost your budget

If you're finding your self-employed income is limiting your borrowing power, there are schemes which allow you to increase your budget. At Tembo, we're experts in innovative ways to boost borrowers' buying potential, from guarantor mortgages to shared ownership.

Access to over 100 lenders

We have access to over 100 lenders on our panel as well as over 20,000 mortgage products. This allows our award-winning team of mortgage experts to find the right deal for you and your situation.

Trusted by thousands

We've already helped thousands of buyers and remortgagers discover how they could boost their mortgage affordability - it's why we're rated Excellent on Trustpilot! See how you could boost your buying budget by getting your own personalised recommendation today.

Risks & considerations

You'll need 2-3 years worth of accounts

To assess your income when deciding what mortgage loan to offer you, lenders will typically need you to provide evidence of 2-3 years' worth of accounts, or your most recent profit figure. This can mean you may be offered less than you would be offered if you were employed.

You may miss out on some deals

Sometimes, lenders reserve their 'riskier' mortgages, like 5% deposit mortgages, for employed applicants only, and may also exclude self-employed borrowers from their first time buyer or higher lending schemes. This may mean you could miss out on some affordability-boosting schemes if you're self-employed.

You'll need to provide tax evidence

You may be asked to provide a Self Assessment Tax Calculation (SA302) form, as well as a tax year overview and your latest three months’ business and personal bank statements when applying for a mortgage.

Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


Tried, tested, trusted

The application process

4 simple steps to getting a self-employed mortgage.

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Make a Tembo recommendation

Create your own Tembo recommendation to discover live interest rates, monthly repayments and product explainers for all the schemes you're eligible for. After that, you'll be invited to book a free, no-obligation call with one of our award-winning team.


Talk to a mortgage expert

We'll complete the qualification process, and help you understand which deals are best for you from our panel of lenders. After that, you'll be looked after by your own dedicated team: a CeMAP qualified mortgage advisor and a case manager.


Apply for your new mortgage

Once you're happy with the product that's been recommended, your mortgage advisor will prepare and submit the mortgage application. Your case manager will act as the liaison between you, the lender and any solicitors to guide you to completion.


Fee-free advice for life

If you do decide in a few years' time that you'd like to switch to a new rate, or consider other options, you'll have fee-free advice for life with Tembo once you've taken out your first mortgage. So you can contact your advisor again to get our expert support.

Other options you could consider

Explore some of the budget-boosting schemes we advise on below:

See all mortgage schemes

Part buy part rent

Shared ownership

Buy a share of a home, and pay rent on the rest. Over time, you can staircase to full ownership.

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With a guarantor

Deposit Boost

Unlock a gifted deposit from a loved one’s property to create a house deposit from scratch or top up your existing deposit.

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With a guarantor

Income Boost

Add some or all of a guarantor’s earnings to your household income to boost your mortgage affordability.

See details

Got questions? We've got answers

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Frequently asked questions

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Further reading

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Other mortgage schemes

You can be snug in your very own home in 4 simple steps


Standard Mortgage

Right to buy

Self Employed

Tier 2 Visa

Deposit Unlock

Armed Forces Help To Buy

Shariah mortgage

Increase your affordability

With a guarantor