Expert Self-Employed Mortgage Advice & Best Deals

Let us put you in touch with one of our mortgage experts who will give you impartial advice and help you find suitable self-employed mortgage products for you at the lowest % rates available.

Expert service

Highly Rated

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Working with leading lenders ...

We work with high street and other lenders so you’ll get access to some the best deals that you may be able to apply for.

About us

Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

Quick service

From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

Expert advice

We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

Reliable service

Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

Satisfaction guaranteed

Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…

“Did a great job helping us with our mortgage. I would recommend!”

Rob Searcy

So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

What is a Self Employed Mortgage?

Being self employed can make it hard to get a mortgage. Here at Finance Advice Centre we are whole of market advisors. This means we have access to all lenders to get you the best deal no matter what your situation. So if you’re wondering if you can get a mortgage give us a call!

What about the length of accounts?

Less Than 1 Year’s Accounts

We have the options available to gain a mortgage for you with less than 1 years accounts. This is possible if you are in a profession such as a doctor, solicitor, dentist, architect or vet to name a few.

It is also necessary that a senior partner or the businesses accountant can confirm you are trading well and are well established. Also if they have your earnings to date and an estimation for your full 12 months earnings.

The maximum loan to value on this is 75%.

1 Year’s Self Employed Accounts

We also work with numerous lenders that will accept self-employed with 12 months accounts. On top of that, some lenders will use net profits and dividends as part of the income you have available.

The maximum loan to value on this is 85%.

Other options available is using the help to buy scheme so you will only need a 5% deposit in as the government will put in 20%. As well as this if you are further into your first years accounts, for example, 18 months, you can get a projection for your 2-year figures which will also decrease the amount of deposit you will need.

2 Years Self Employed Accounts

There are even more options available with 2 years self-employed accounts. Also with less deposit required. This is as the lender will have more of an idea of how the business running, and also a better idea of the funds available.

The maximum loan to value at this stage of accounts is 95%.

3 Years Self Employed Accounts

Once you have 3 years accounts you have access to most lenders available. However, they all work out your income differently and won’t accept certain aspects of your income. It is our job to ensure you get the best rate possible for your personal needs.

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.