MORTGAGE ADVICE FOR THE SELF-EMPLOYED · NEWCASTLE & SURROUNDING AREAS

Self-employed and mortgage-ready

Find out what you could borrow with friendly, experienced mortgage advice. We specialise in helping self-employed applicants, including those with just one year of accounts.

Rated 5.0 on Google

★★★★★ 50+ reviews from local clients

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CALL 07538 286914
Your first conversation is free and there is no obligation to proceed.
Step 1 of 4

Where Are You With Your Mortgage Plans?

Choose the option closest to where you are now. It takes around 60 seconds, and there is no obligation.

What Would You Like Help With?

5.0 ★★★★★

BASED ON 50+ GOOGLE REVIEWS

1,000s

OF MORTGAGE DEALS TO EXPLORE

North East

PERSONAL MORTGAGE ADVICE

No obligation

START WITH AN INITIAL CONVERSATION

SELF-EMPLOYED MORTGAGES, EXPLAINED

Why can it feel more complicated?

Being self-employed does not prevent you from getting a mortgage. Your income may simply need more context: some lenders request further evidence, and their criteria vary depending on how you work and earn.

We look at your income and the documents available, then research lenders whose criteria fit your situation. You do not need to wait until you have several years of accounts to explore your options.

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01


Your income may not fit a standard payslip

Salary, dividends, profits, retained profit, contracts or day rates may all form part of the picture.


02


Your trading history may need context

A shorter history, changing figures or a recent change to the business may prompt further questions. One year of trading can be considered. 


03


Lender requirements can vary

Different lenders take different approaches to income, evidence and length of trading history.

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BUILDING A STRONGER PICTURE

What could strengthen your application?

You do not need a perfect business history to start a conversation. Clear income evidence and an explanation of any recent changes help us understand your position and prepare your application.

STRENGTHS TO SHOW CLEARLY

What can work in your favour

01Clear, current figures

SA302 tax calculations, tax year overviews and accountant-prepared accounts showing what the business earns now.

02Evidence of steady work

Current and previous contracts, plus business bank statements showing consistent or improving income.

03A balanced wider position

Proof of your deposit and its source, plus modest credit commitments, support the affordability picture.

QUESTIONS TO ADDRESS EARLY

What is worth explaining early

01Recent changes in income

Fluctuating figures do not automatically count against you — the reason matters.

02A shorter history or a business restructure

Recent trading evidence can explain a newer business or a change of structure.

03A previous mortgage decline

Understanding why an earlier application was declined helps avoid repeating it.

04Product availability can differ

Some products may not be available to self-employed applicants — which is why the choice of lender matters.

THE JMH DIFFERENCE

How JMH supports you

Self-employed income can be structured in different ways. JMH will take time to understand how you work, how your income is made up and what you want your mortgage to achieve.

Clarity from the start

Ask your questions and get a clearer understanding of where you stand, without pressure to proceed.

Experience with self-employed applicants

Guidance for sole traders, limited company directors, contractors and people with income from more than one source.

More mortgage options to explore

JMH can research thousands of mortgage deals, including options that may not be available through your own bank.

One dedicated adviser

A consistent point of contact who understands your plans, supported by the wider JMH team behind the scenes.

Just one year of accounts?

Helping self-employed applicants with only one year of accounts is an area we specialise in, with advice on suitable lenders and the evidence they need.

Protection & insurance advice

Life insurance, critical illness cover and other suitable protection options explored alongside your mortgage.
Nick, Bruce and Alex — the JMH Financial team
MEET JMH

Here for your next step

Founded by mortgage advisers Nick, Bruce and Alex, JMH understands that self-employed income does not always fit a standard payslip. The team will look at the wider picture and explore mortgage options suited to your circumstances.
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Free initial consultation. No obligation.
Advice provided through PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.

What self-employed clients say

Rated 5.0 on Google from 50+ reviews

  • Tom Skelton Avatar
    Tom Skelton
    19 June 2026
    Nick at JMH Financial provided an excellent service in helping us find and secure the best possible mortgage. As first time buyers, we really appreciate how clearly Nick explained the entire process, which gave us a strong understanding and confidence throughout. He presented several options and... read more
    Nathanael Wood Avatar
    Nathanael Wood
    17 June 2026
    I would highly recommend JMH Financial to everyone. As first time buyers, Nick sorted everything out for us and explained each step of the process coherently. Nick was very quick to respond to all of our queries and kept us well informed about how things... read more
    Lindsay Young Avatar
    Lindsay Young
    17 June 2026
    Nick was an absolute professional helping me secure a new mortgage. He went above and beyond to support me and was available to answer any questions I had along the way. I’ve already recommended him to my friends and family.
  • Danny Berry Avatar
    Danny Berry
    17 June 2026
    I can't recommend JMH Financial enough. Nick was extremely supportive, quick to respond and always happy to answer any questions. He made the whole process straightforward and you can tell he genuinely cares. Will definitely be using them again!
    Nathan Walker Avatar
    Nathan Walker
    17 June 2026
    Alex, Bruce, and Nick are incredibly friendly, professional, and always willing to help. They made the whole process straightforward and stress-free, taking the time to answer any questions and explain everything clearly. Their customer service is second to none, and it’s obvious they genuinely care... read more
    Niamh Avatar
    Niamh
    17 June 2026
    JMH Financial provided an excellent service when it came to my remortgage. Nick was friendly, helpful and made the process stress-free and straightforward. I would recommend JMH Financial to anyone, I will definitely be using their services again!
  • Hannah Thornton Avatar
    Hannah Thornton
    15 June 2026
    Nick and the team at JMH Financial have been incredible throughout my experience as a first time buyer. It took a while for me to get an offer accepted but Nick provided so much advice throughout the long journey of possible houses, right up to... read more
    Franchesca Harrison Avatar
    Franchesca Harrison
    15 June 2026
    Bruce was brilliant when it came to our mortgage, very helpful and knowledgeable. Will definitely come back to JMH in the future.
    Lyndsey Foster Avatar
    Lyndsey Foster
    13 June 2026
    We have had the pleasure of Alex taking care of us through our mortgage journey. Alex is so knowledgeable in his field and does his utmost to ensure you are helped, understood and supported through the whole process. I am an absolute worrier but with... read more
FOUR CLEAR STEPS

From understanding your income to moving forward

01

Tell us how you earn

We’ll discuss your income structure, trading history, plans and circumstances.

02

Get a clear recommendation

We’ll research potentially suitable options and lender criteria, then explain the recommendation — including arranging an Agreement in Principle when you’re ready to make offers.

03

Apply with support

We’ll prepare the application, explain what evidence may be needed and keep you updated.

04

Protect you and your home

Tailored protection advice for the self-employed — income protection, life insurance and critical illness cover from the whole of market.

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Free initial consultation. No obligation to proceed.

YOUR NEXT STEP

Take the Next Step With Your Mortgage

Tell us about your plans in four quick steps and request your free initial mortgage appointment. It takes around 60 seconds.
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Or call 07538 286914
✓  No detailed financial information needed at this stage   ✓  No obligation to proceed   ✓  Usually a response within one working day
COMMON QUESTIONS

You might be asking…

Short answers to the questions most likely to come up before an initial conversation.

Why use a mortgage adviser instead of my bank?

Your bank can only offer its own products. An adviser compares options from across the market — including lenders whose criteria may suit your circumstances better — and manages the application for you from start to finish.

Can I get a mortgage with just one year of accounts?

Yes, it is possible. Some lenders accept one year of accounts, and helping applicants at this stage is an area we specialise in. Being self-employed for only a year is absolutely fine as a starting point for exploring your mortgage options.

What documents might I need?

Typically tax calculations and tax year overviews, accounts prepared by an accountant, business and personal bank statements, photo ID and proof of address. An adviser will confirm what a specific lender requires.

What if my income has changed or varies?

Varying figures do not automatically prevent a mortgage. Lenders may average figures, use the most recent year or ask for context — an adviser will explain what your figures are likely to support.

Can a lender use retained profit or dividends?

Some lenders consider salary and dividends; a smaller number may also consider retained profit. Approaches differ, which is why the choice of lender matters.

What fees will I pay?

Our advice and consultation are fee-free, with no obligation. If you choose to proceed, a broker fee may apply depending on your circumstances and the complexity of your requirements — a typical fee would be £399, payable on application.

Can you help if I have already been declined?

Often, yes. Understanding why an application was declined helps identify lenders whose criteria may be more suitable, and what evidence to prepare next time.
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