There is a popular misconception getting a mortgage if you are a freelancer or self employed is more difficult. The reality is getting a mortgage if you are self-employed does not that different than if you were employed.
You have access to all the same lenders and will be subject to the lender’s affordability criteria in exactly the same way if you were employed. The only main difference will be how you prove your income. As a general rule the lender will require company accounts for the last 2-3 years which show any income your draw from the business along with net profits.
