Mortgage Calculators

Self-Employed Mortgage Calculator

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Mortgage Calculators Self-Employed Mortgage Calculator

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Self-Employed Mortgage Calculator

Find out how much you could borrow based on your self-employed income. Select your trading style, enter your income details, and we'll calculate your potential borrowing across different lender types.
£
£
£
£
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Please enter a percentage between 1 and 100.
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Please enter a percentage between 1 and 100.

You could borrow up to:

4.5x
5x
6x

Based on your income, lenders may offer you up to 6x yearly income with specialist lenders.

Your income appears to be declining. Some lenders may use your lower year's figure or require explanation.
4.5x Your Income

Most mortgage lenders will let you borrow

Available from most high street lenders. Standard lending criteria applies.

5x Your Income

Some mortgage lenders will allow you to borrow up to

Available from select lenders, often through a mortgage broker.

6x Your Income

A few mortgage lenders might let you borrow

Available from specialist lenders only. Typically requires a broker.

Your borrowing potential is calculated by multiplying your average annual income by standard lending multipliers (4.5x, 5x, and 6x).

Most high street lenders use 4.5x income as their standard. Higher multipliers are available through specialist lenders, often requiring a mortgage broker.

These figures are estimates only. Your actual borrowing capacity will depend on your credit history, deposit, existing commitments, and individual lender criteria.

Ready for the next step?

These figures are estimates. For a personalised assessment and access to exclusive rates, speak to a mortgage broker who specialises in self-employed applicants.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

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Money Helpdesk is a trading style of LeadCrowd Limited which is registered in England and Wales (10963512).

Our registered office is The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE.

Money Helpdesk is an independent marketing website that acts as an introducer to FCA regulated companies. The guidance and or advice contained within this website is subject to the UK regulatory regime and therefore primarily targeted to customers in the UK. Any and all personal information that we may collect will be used and held in accordance with our privacy policy. We may use your personal information to contact you or pass your details to other companies associated with us, to contact you (including by telephone) to provide you with details and services in relation to any enquiry you make to us. Any rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances.

At Money Helpdesk, we strive to provide informative guides and tips, however, please note that you use the information provided at your own risk. We cannot be held liable for any issues that arise from using the information provided.

The information found on our website is not tailored advice specifically for each individual reader and therefore should not be taken as financial advice.

Our team is updated regularly to keep up with changing lender criteria and policies, so be sure to contact one of our advisors for accurate up-to-date information. All of the advisors we work with are qualified to provide advice and partner with firms authorised and regulated by the Financial Conduct Authority. These specialists are regulated professionals who can provide tailored advice that fits your needs.

The Financial Conduct Authority does not regulate Will Writing, Estate Planning and some forms of Mortgages. © Copyright LeadCrowd Limited.

The rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances.

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