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!

kieran fairless

9 June 2026

Don’t normally do reviews but felt inclined to as the entire process was made completely stress free and i received first class service and customer care.
Ben Holbrook

9 June 2026

As a first-time buyer, I expected the process to be quite daunting, but Nick made everything feel straightforward and stress-free from start to finish. His knowledge, professionalism, and expertise were outstanding, and he was always on hand to answer any questions and provide reassurance throughout the journey. The service I received from JMH was exceptional, and I genuinely couldn't have asked for a better experience. I would highly recommend Nick and the team at JMH to anyone looking for expert advice and excellent customer service. Thank you all for making such an important milestone a positive and enjoyable experience!

Gavin Forster

10 June 2026

Great support from the team with my recent mortgage change. Will very much be in touch when I next need to change.

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!
Saul Raynor

9 June 2026

Thank god for businesses like these doing what they do. Definitely recommend, made everything so easy for us.

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 were progressing. Nick even went above and beyond for us to make sure we got the best deal on our mortgage and helped us get the exact insurance cover and protection required for our needs. Will definitely be using their services in the future!

Amy

9 June 2026

Sorting out mortgage critical illness and life cover is something I had been putting off, but this company made the entire experience incredibly easy and stress-free. My mortgage adviser was Alex, who was absolutely brilliant from start to finish. Alex was professional, knowledgeable, and took the time to explain everything clearly so I felt completely confident in the choices I was making. The level of communication was excellent, and the whole process was handled with the utmost professionalism. I honestly cannot thank Alex and the team enough for giving me total peace of mind. I highly recommend them to anyone looking for top-tier service!

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Main Specifications

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years

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Simple, Straightforward Mortgage Advice



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 .