Code

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.

Image of a hand holding house keys

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.

Image of a person holding an umbrella

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

A Hussain

November 16, 2021

Needed to get my business up and running quickly. Crunch took care of so much so quickly. Registering my business with companies house and sorting out the tax side with HMRC - only needing me perform tasks that HMRC do not allow them to perform. The Crunch software is easy to use and there are plenty of helpful videos and documentation. Great service from the Crunch support team, especially from Olivia Beadle. Thank you.

More

James Cash

November 8, 2021

Crunch was able to find me the right mortgage, they kept me informed on progress and were responsive to my requests.

More

Afiya Gray

November 8, 2021

Danielle was most supportive and helpful in preparing our end of year accounts for a small business. Amazing and professional.

More

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.