JMH Financial

Mortgages for the Self Employed

Struggling to secure a mortgage because you’re self employed?

Our expert advisers work with lenders who understand your income — helping you find the right deal.

Get Your No Obligation Consultation

No obligation, speak to a specialist today!

✔ Whole of market mortgage access

✔ Specialist advice for self employed applicants

✔ Regulated advice through our network

✔ Personal, one-to-one support

Getting a Mortgage When You’re Self Employed Can Be Challenging

If you’re self employed, a contractor, freelancer or business owner, you may already know that getting a mortgage isn’t always straightforward.

Many high street lenders struggle to assess self employed income, which can lead to:

Applications being declined
Lower borrowing amounts than expected
Confusion around what documents are needed

But that doesn’t mean you can’t secure a mortgage.

Get Your No Obligation Consultation

We Help Self Employed Applicants Get Approved

At JMH Financial, we specialise in helping self employed clients secure mortgages that suit their circumstances.

We work with a wide panel of lenders, including those who understand:

Limited company directors
Sole traders
Contractors
Freelancers
Business owners with complex income

Our advisers take the time to understand your income structure and match you with lenders who are more likely to approve your application.

Get Your No Obligation Consultation

We Help Self Employed Applicants Get Approved

At JMH Financial, we specialise in helping self employed clients secure mortgages that suit their circumstances.

We work with a wide panel of lenders, including those who understand:

Limited company directors
Sole traders
Contractors
Freelancers
Business owners with complex income

Our advisers take the time to understand your income structure and match you with lenders who are more likely to approve your application.

Get Your No Obligation Consultation

Why choose JMH Financial?

✔ Access to 100s of mortgage deals across the market

✔ Specialist lenders for self employed applicants

✔ Advice tailored to your income and circumstances

✔ Help with affordability and borrowing potential

✔ Support from application through to completion

Get Your No Obligation Consultation

What Our Clients Are Saying!

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 the successful one! I really recommend if you’re looking for supportive, responsive and experienced mortgage advice - wherever you’re based.

Luci McGowan

9 June 2026

Alex was absolutely fantastic with my partner and I buying our first home. He took us through every detail, making sure we understood every part of the process. We will definitely be using JMH Financial again. Thank you very much!

JACK SCOTT

9 June 2026

Very professional service and good communication throughout our remortgage application
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.

Joseph English

9 June 2026

We have used JMH Financial for both our initial mortgage when purchasing our first home and for a subsequent remortgage earlier this year, and the service has been outstanding on both occasions. In particular, I would like to recognise Alex for his outstanding support throughout the process. He was consistently approachable, knowledgeable, and attentive, ensuring that all aspects of our mortgage arrangements were handled efficiently and professionally. Alex was always prompt in responding to any queries and took the time to explain each stage of the process clearly, which made what can often be a complex experience feel straightforward and manageable. The whole experience was smooth, stress-free, and handled with a high level of expertise from start to finish. It’s clear that customer service is a priority at JMH Financial, and we genuinely felt supported every step of the way. I would highly recommend JMH Financial to anyone looking for mortgage advice and support. I’ve already recommended JMH to friends, family, and work colleagues, several of whom have also gone on to use JMH and have had equally positive experiences. Thank you to Alex and the team for your excellent service, we wouldn’t hesitate to use JMH Financial again in the future.

Ben Harrison

9 June 2026

These guys are incredibly helpful and knowledgable! Thanks again for your help.
Victoria Rothery

10 June 2026

Amazing service, we we're well looked after by Bruce! He talked us through every step as first time buyers, making sure we both understood everything along the way. Very fast at responding & overall generally lovely. Thank you for all the help again, we really appreciate it!

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 Alex you dont need to worry about a thing he is organised and extremely passionate about his work so you are always in safe hands. We were so impressed with him that when it came to our remortgage we did not hesitate to seek his services as we trust him implicitly that he will find us the best deal to suit our needs. Nothing is ever too much trouble and I would highly recommend him to anyone looking for help with mortgages etc. We also got him to help us with life insurance which was complicated due to existing conditions but he still was able to help and sort us a great cover. Thank you Alex for all your help you are one in a million.

Peter Bennett

10 June 2026

Nick Johnson is a pleasure to deal with. Very detailed, very knowledgable and very trustworthy. A very pleasant man with great communication skills.

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Simple, Straightforward Mortgage Advice

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Step 1

Speak to an advisor

We’ll discuss your situation, income and goals.

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Step 2

Explore Your Options

We search the market to find lenders suited to you.

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Step 3

Get Your Mortgage Approved

We guide you through the process from application to completion.

Get Your No Obligation Consultation

Common Question About Self-Employed Mortgages

We have all the answers to all your questions… get in touch today for a quick informal no obligation chat.

Can I get a mortgage if I’m self employed?

Yes, many lenders offer mortgages for self employed applicants, especially when you

work with a broker who knows where to look.

What if I do my own accounts?

Managing your own accounts can be a rewarding yet daunting task, as it allows you to gain a deeper understanding of your finances while also presenting unique challenges in terms of time, accuracy, and organisation; at JMH Financial, we believe that striking the right balance between independence and expert guidance can transform your experience, so whether you’re a DIY enthusiast looking to enhance your skills or someone contemplating professional support, we’re here to help you navigate the complexities of accounting with confidence and clarity.

How many years of accounts do I need?

Typically 1–2 years, but some lenders may accept less depending on your situation.

Will I need a larger deposit?

Not always, this depends on your income, credit history and lender criteria.

Take The First Step Towards Your Mortgage

Getting a mortgage when you’re self employed doesn’t have to be complicated. With the right advice and access to the right lenders, you could be closer to approval than you think.

Find out if you could be approved.

Speak to a mortgage specialist today and explore your options .