Guides & insights
Mortgage and protection guides, in plain English
Practical answers to the questions our clients ask most - written by our advisers, not a content farm.
Self-employed
Contractor Mortgages: How Day-Rate Income Can Be Used to Calculate What You Can Borrow
Understand how lenders can annualise contractor day-rate income and assess your contract, IR35 position and mortgage affordability.
29 September 2026 16 min read
Read guide Self-employedCan Mortgage Lenders Use Retained Profits? A Guide for Limited Company Directors
How lenders assess salary, dividends and retained company profits when a limited company director applies for a mortgage.
22 September 2026 17 min read
Read guide Self-employedSelf-Employed Mortgage: How Many Years' Accounts Do You Need?
Most UK lenders want two years' accounts, but some will consider one year. Here is how sole traders, company directors and contractors are assessed.
28 August 2026 12 min read
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