Securing a self-employed mortgage in Greenwich can feel like a daunting task, especially when your income doesn’t follow a traditional monthly payslip structure. At Conran Mortgages, we understand the unique challenges faced by freelancers, contractors, and business owners. If you’re building your dream in Greenwich but struggling to find the right mortgage deal, you’re not alone—and we’re here to help.

With tailored solutions and access to specialist lenders, we make it easier for self-employed buyers to access competitive mortgage options. Whether you’re a contractor with fluctuating income or a freelancer looking to buy your first home, we provide self-employed mortgage help in Greenwich that truly fits your needs.

Need help now? Give us a call on 020 8528 2251 or email us at hello@conranmortgages.co.uk to get started.

“Being self-employed shouldn’t hold you back from owning a home in Greenwich. Our expert advisors will help you secure a mortgage that suits your income and your future.”

Why Getting A Mortgage As A Self-Employed Buyer Can Be Tricky

Unlike salaried employees, self-employed individuals don’t have a regular payslip to prove earnings. Lenders often see this as higher risk, which means stricter lending criteria.

You’ll typically be asked to provide at least two years of accounts, SA302 forms, and other documents to prove affordability. While some mainstream lenders may hesitate, there are many others who specialise in contractor loans in Greenwich or flexible income mortgages.

We work with both high street banks and niche lenders to help you find the most competitive deals.

What You’ll Need To Apply For A Self-Employed Mortgage

When applying for a self-employed mortgage near Greenwich, preparation is key. Here’s what lenders usually require:

SA302 Forms: These documents summarise your annual earnings and tax paid, as submitted to HMRC.

Tax Year Overviews: These verify that your taxes have been paid in full.

Business Accounts: Preferably prepared by a certified accountant.

Bank Statements: Personal and business accounts for the past 3–6 months.

Proof Of ID and Address

The more organised your financial records, the better your chances of getting a favourable mortgage offer. Need help gathering the right documents? Speak to us—we provide step-by-step support through the entire application process.

Tailored Mortgage Advice For Different Self-Employed Roles

We understand that being self-employed can mean many things—sole traders, company directors, freelancers, and contractors all have different income structures.

Freelancers

If you work on a project to project basis, your income might fluctuate month to month. That doesn’t mean you can’t secure a mortgage. We specialise in mortgage advice for freelancers in Greenwich that takes a flexible view of your income. Even if you’ve only been trading for a short time, some lenders will consider one year of accounts or recent contracts.

Contractors

For contractors working on fixed-term contracts, especially in IT, construction, or finance, we can help secure competitive rates based on your day rate or current contract. Our access to lenders who offer contractor loans in Greenwich means you don’t have to fit into a traditional employment box.

Company Directors

If you own a limited company, lenders will typically look at your salary and dividends. Some lenders, however, are willing to consider retained profits within your business, which can increase your borrowing potential. We know how to present your accounts in the most favourable light to maximise your options.

How We Help You Secure A Self-Employed Mortgage In Greenwich

We don’t just match you with any lender—we match you with the right one. At Conran Mortgages, we’re experienced in navigating the self-employed mortgage market and offer:

• Access to specialist lenders
• Tailored application support
• Honest advice based on your unique financial situation
• Faster decisions through well-prepared documentation
• Help interpreting complex paperwork like SA302s and business accounts

If you’re unsure whether now is the right time to buy, you might also want to read our blog on Should You Lock in a Fixed-Rate Mortgage in Greenwich in 2025? for insight into rate trends and market stability.

Common Mistakes Self-Employed Buyers Should Avoid

Many self-employed applicants make the mistake of:

• Minimising income to reduce tax, which can reduce borrowing power
• Not using an accountant may lead to less credible accounts
• Assuming all lenders treat self-employment the same way
• Applying to multiple lenders directly, risking rejection and credit score drops

With our self-employed mortgage help in Greenwich, we help you avoid these pitfalls and present your finances in the best light possible.

Why Choose Conran Mortgages?

We’re not a one-size-fits-all service. We’re local specialists who understand the housing market in and around Greenwich. We’ve helped countless self-employed clients—from creative freelancers to seasoned consultants—buy homes and investment properties with confidence.

Our team of experienced mortgage advisors ensures every client receives:

• Individual guidance based on their circumstances
• Up-to-date knowledge of lender criteria
• Clear, jargon-free explanations
• Long-term support, even after you get your mortgage

Ready To Take The First Step?

If you’re self-employed and looking to buy in Greenwich, don’t let outdated assumptions hold you back. With the right advisor by your side, your dream home is within reach.

Let us support your journey to homeownership with expert guidance, lender access, and personalised service. Contact us today on 020 8528 2251 or email hello@conranmortgages.co.uk to speak with a local advisor who truly understands your needs.

Whether you need contractor loans in Greenwich or ongoing mortgage advice for freelancers in Greenwich, we’re just a call away.

FAQs

How Many Years Of Accounts Do I Need For A Self-Employed Mortgage?

Most lenders require two full years of accounts, but some may accept one year if you have a strong financial track record or existing contracts.

What Is An SA302 And Why Do I Need It?

An SA302 is a summary from HMRC showing your total income and tax paid for a given year. It’s essential to prove your income when applying for a mortgage.

Can I Get A Mortgage If My Income Fluctuates?

Yes. Many self-employed people have variable income. Lenders will usually calculate an average over the last two or three years—or consider your most recent year if it’s more favourable.

Are There Lenders Who Specialise In Self-Employed Mortgages?

Absolutely. We work with a wide range of lenders—including those who specialise in self-employed and contractor mortgages, giving you more tailored options.

Conclusion

Getting a self-employed mortgage in Greenwich doesn’t have to be complicated. With the right documents, clear guidance, and the support of our expert advisors, you can navigate the process with confidence.

At Conran Mortgages, we believe your career choice shouldn’t hold you back from securing the home you deserve. We offer trusted, local expertise to help you make informed decisions and unlock the door to your next property.

Ready to get started? Contact us today on 020 8528 2251 or email hello@conranmortgages.co.uk to speak with a dedicated advisor.