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

Lee

August 1, 2021

Crunch have been our accountants for years, so it made perfect sense to use them as our mortgage brokers too (not to mention the fact that none of the others we approached had any expertise in dealing with self-employed applicants). There were some hiccups in the process, but Jamie and Gemma helped steer us through and we ended up with a great offer that I doubt we would have got with anyone else. Thanks guys!

Joe Wackett

July 30, 2021

Zoe was very helpful in getting me set up with crunch, highly recommend

Fionaarchbold

July 29, 2021

I have been with Crunch for years. They are always available with help and advice and the software is about as simple as it is practical to be. Currently they are working on a new interface so I expect it will become even easier. Compared to the cost of an annual manual accountant it is seriously good value for money.

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.