Self Employed Mortgages

(including sole traders, partnerships and limited company owners)

 Many lenders offer comprehensive lending criteria for business owners. Each lender has a different way of assessing your business – finding the best one for you is what we do!    

Proof of income 


You will need your SA302 (Tax calculation) and Tax Year Overviews for the last 3 trading years as these confirm your personal income (or as many as you have if you have been trading for less than 3 years). For directors of limited companies, you will also need the company accounts as some lenders may consider your net profit. 


HMRC post the SA302 to you when you first submit your personal self-assessment. You can also get copies online (see below). Your accountant may also be able to provide a version from their own software call a personal tax computation. These all provide the same information and are all acceptable. 


As well as the SA302, you will always need to provide a tax year overview from HMRC for each year.   




 How to get a Tax Calculation (SA302) and Tax year overview online:

SA302
  • Log into your HMRC online account
  • Select ‘Self Assessment’
  • Select 'More details about your Self-Assessment returns and payments'
  • Scroll down to 'Previously filed returns' and select 'view more previous years self-assessment'
  • Select get/view 'your SA302 calculation'
  • Scroll to the bottom of the page
  • Click on ‘View and print your calculation’
  • Select 'Print' 
  • Select ‘Save as PDF’ in the printer options
  • Save to a folder.


(You can only get these if you have filed your tax return via the HMRC website. If you have used an accountant you will need to contact them and ask for the version from their software).

Tax year overview


  • Log into you HMRC online account
  • Select ‘Self Assessment’
  • Select 'More details about your Self-Assessment returns and payments'
  • Scroll down to 'Previously filed returns' and select  'view more previous years self-assessment',
  • Select 'view your tax year overview' 
  • Select the appropriate tax year you require from the drop down box
  • Click ‘Go’
  • Scroll down and click on ‘Print your tax year overview’
  • Select ‘Save as PDF’ in the printer options
  • Save to a folder


(These are always available from the HMRC website (72 hours after submission - if you use an accountant they may be able to log in for you to obtain these).

The tax year overview is used by the lenders to check that your SA302's are correct. Therefore, the tax amount showing on both documents should match. If they don't you will need to get this corrected by HMRC or your accountant.

You can also get these documents by phoning HMRC:
Call 0300 200 3310 with your National Insurance Number. You will need to request your last 3 years SA302’s AND Tax Year Overviews. They should take about a couple of weeks to arrive. 


Who is eligible?

Sole traders and business owners who own 25% or more shares in a company and have submitted at least one tax return. 

Tell us about your situation and we will find the mortgage that is right for you!
How much can I borrow?

As much as your income will allow! Different lenders will treat your income in different ways. It is common for them to average your last two years but using our expert knowledge we can find lenders that will be happy with just one year! For sole traders, this is always your net profit. For limited company directors, this could include salary and dividends, or net/retained profit. KG Mortgages provides advice on the whole market, we will search for the lender that treats your business in the way it deserves.
How can I apply?

Speak to us today! We will arrange an agreement in principal telling you how much you will likely be able to borrow. Then once you have found your dream home we can find you the very best deal and get the application done on your behalf  

Your home may be repossessed if you do not keep up repayments on your mortgage