Self-employed mortgages

Being self-employed shouldn’t prevent you from getting a mortgage

Whether you’re looking for a freelance, small business, or contractor mortgage, our specialist self-employed mortgage brokers know the market inside out and will find the best deal for you, based on your day rate or previous year’s Self Assessment.

Call us today on 0333 311 0800 for your free mortgage consultation, or you can leave your details and we’ll get in touch.

What we offer

Your own personal advisor

Our specialist self-employed mortgage advisors will take the time to fully understand your circumstances.

Access to the whole market

We can work with any lender to find you the perfect mortgage with exclusive deals.

Superfast offers

In most cases, we can offer a Decision in Principle in as little as an hour.

Mortgage Monitor service

Crunch Mortgage Monitor is a free service that checks every day to see if you could save money on your mortgage.

Help for first-time buyers

Your own, dedicated advisor will guide you through the whole process and help you to secure your first time buyers mortgage.

Remortgage deals

If you’re coming to the end of a discount period or simply want to switch to a better deal, we’ll find a great mortgage for you.

Don't forget life cover

When you take out a mortgage you usually need to have life cover. Our advisors can help you find the right cover at the best price.

Learn more about life cover

Find the perfect mortgage for you

If you’re self-employed and have had trouble getting a mortgage, don’t despair. These are the different mortgages available to you…

Fixed rate mortgages

There are a variety of self-employed and contractor mortgages that can work for you. Keep your repayments stable and predictable with a fixed rate mortgage, which typically allows you to freeze the interest rate on your repayments for between one and five years.

If the Bank of England’s base interest rate rises you won’t be affected – however you also won’t be able to take advantage of any interest rate reductions.

Full repayment mortgages

With a variety of accreditations and different professional backgrounds, our accountants are passionate about helping your business. We’re not your typical accountancy firm - we’re dedicated to sole traders and small businesses clients across the UK. With a whole team to support you as a self-employed sole trader, we’ll guide you through claiming all the right expenses, filing your Self Assessment, and managing your business accounts. As your business grows, we can advise on how to be more tax-efficient and whether a different business structure, such as a limited company, could be a better way to work.

Interest-only mortgages

Our superhero client managers will be on hand to make sure you get the most out of your online accounting software. We’ll make sure you’re correctly registered for all business taxes, National Insurance, and even VAT Registration, and we’ll take care of HMRC for you. We’re dedicated to helping our clients grow their businesses and manage their taxes.

Tracker mortgages

Our superhero client managers will be on hand to make sure you get the most out of your online accounting software. We’ll make sure you’re correctly registered for all business taxes, National Insurance, and even VAT Registration, and we’ll take care of HMRC for you. We’re dedicated to helping our clients grow their businesses and manage their taxes.

Great deals for Crunch members

If you’re a Crunch client then you’ll benefit from discount of up to 15% on our broker fees. Even if you’re not a client, don’t worry - we offer Crunch Chorus members 10% off our broker fee. Crunch Chorus is our free community for the self-employed, with jargon-free guides, videos, discounts and tools.

Sign up to Crunch Chorus for free

Why self-employed homeowners love us

Ben

July 13, 2021

We received brilliant support from Luke and Karly regarding securing our first mortgage. They were both extremely helpful and very quick to respond to our questions. Given our tricky situation, myself being a contractor and my partner in full-time work it required a bit of back and forth with the lender however it was very quickly sorted and our mortgage approved. I wouldn't hesitate to recommend Crunch to friends especially those who are self-employed/contractors. Thank you!

Scott Dunn

July 10, 2021

I have taken the plunge and gone part time in a new business and have found crunch idea to take the pressure off me from a financial side . I had an outstanding call yesterday with Danielle who went above and beyond to help me and be patient due to dyslexia and lack of confidence in form filling. The way she was with me was simply outstanding, and I now have an excellent overview of how to input and generate invoices. This would not have been achieved but for this wonderfully patient client support manager thank you so much, and what I thought was going to be a clunky process has turned out to be far easier than I thought. Simply brilliant support

Wendy T

July 9, 2021

Had a really helpful conversation with Crunch today - answered all my questions and couldn’t have been nicer. Great customer service.

Got questions about mortgages? We’ve got the answers.

E-Crunch Ltd t/a Crunch Mortgages is an appointed Representative of Seico Insurance & Mortgages Ltd for mortgage broking purposes. Seico Insurance & Mortgages Ltd is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 300024.