Self-employed mortgage tools
Self-employed mortgage calculator
Yes, you can see what you might borrow as a self-employed buyer in a few seconds. Tell us how you trade and your income below, and this tool shows an indicative borrowing range based on how lenders read self-employed income.
Lenders work from the income they can evidence in your accounts and tax figures, usually at 4.5 to 5 times that income. How they read it, whether they average your years or use your latest, and which figure a company director is assessed on, all move the number, so treat this as a starting point rather than a quote. For how lenders read self-employed income from the ground up, see our self-employed mortgage guide.
Optional. Many specialist lenders assess salary plus your share of retained profit.
Your indicative borrowing range
Enter your figures above
Figures are illustrative. Your actual borrowing depends on the lender's income basis, your full circumstances and an affordability assessment.
These figures are illustrative only. They are not a quote, offer or advice. Actual borrowing is subject to full lender assessment and status.
See what you could actually borrow
Check Your EligibilityThink carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.