Self employed mortgages
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Self Employed Mortgages

There are many perks to being self-employed or owning your own company including the flexibility to choose your hours and being in control of your own finances.

However, one of the biggest challenges that many business owners and directors face is trying to get a mortgage.

This, in part, is down to the fact that lenders do not always consider the “full picture” of the business when it comes to making a decision about whether or not to approve your application.

For example, lenders may not take into account the fact that some directors may deliberately take a modest salary and choose to keep the profit within the business instead.

Many lenders currently ask for three years’ accounts to prove income on a mortgage application, which can make it difficult for new business owners to get approved.

Directors who face differing levels of annual turnover can also encounter problems when “averaging calculations” reduce the amount of capital available to borrow.

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Why FirstXtra?

Long established family run business

Providing personal, professional and honest advice, putting the customers best interests at the heart of everything we do.

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This is shown by the number of 5 star reviews we receive on the independent site Feefo.

We are personable and friendly

We provide a fully individual and bespoke service to each customer and we genuinely care about your experience.

Taking the hassle out of the process

Making it as simple and stress free
as possible for you.

We don’t just do Mortgages!

We also provide you with bespoke family  and home protection products.

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We will be there through the life of your mortgage and protection policies with immediate response times.


Found your dream home but not sure if you can afford it?

Find out how much you can expect to pay back with our free mortgage calculator tool.

Simply enter the mortgage amount, your deposit, interest rate and the term of the mortgage and we will calculate the estimated monthly repayments for you based on the information you provide.

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  • This information is a guide only and should not be relied on as a recommendation or advice, that any particular mortgage is suitable for you.
  • All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.
  • You should make an appointment to receive mortgage advice which will based on your needs and circumstances.


Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

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