Self-employed planning tool · Transparent assumptions

Self-Employed Mortgage Calculator UK

Average the income evidence you plan to use, select the way you work, and see a clear illustration. No single formula represents every self-employed lender.

Build your self-employed illustration

How do you work?

Use your annual taxable profit. SA302s, tax-year overviews and accounts are commonly requested.

Most recent completed year

Year before

Third completed year (optional)

Deposit available

What to prepare before applying

Keep accounts, tax calculations and tax-year overviews consistent and up to date.
For limited companies, ask a broker how lenders relevant to you treat salary, dividends and retained profit.
For contract work, retain contracts and evidence of continuity where available.
Use a lender decision in principle or regulated mortgage adviser before relying on a property budget.

Methodology

Last checked: 2026-08-13. This page deliberately shows a range instead of saying self-employed applicants are automatically restricted to a lower income multiple. Lender methods differ substantially.