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Self-Employed Mortgage Advice · Scotland

Self-employed
in Scotland?
Being self-employed is not the obstacle.

We advise self-employed applicants across Scotland every week — sole traders, contractors, limited company directors, CIS workers and freelancers. Our advisers know which lenders are most generous with each income type and how to present your case to maximise borrowing.

Check my eligibility0141 266 0686
Who we help
Sole Traders
Net profit used for affordability
Limited Company Directors
Salary + dividends (+ retained profit with some lenders)
Contractors
Day rate assessment available
Freelancers
Average or most recent year
CIS Subcontractors
Specialist lenders accept CIS payslips
Locum & Agency Workers
Healthcare, education and other sectors
Check how lenders may assess my income
Let's Clear This Up

Self-employed mortgage myths — busted.

"Banks won't lend to self-employed people."
Reality: Most mainstream lenders will consider self-employed applicants. What differs is how they assess the income — some work from an average of two years, some from the most recent year, some from salary plus dividends and others from retained profit. The right lender for a contractor in Hamilton differs from a sole trader in Lanark.
"I need 3 years of accounts."
Reality: Many lenders require 2 years. Some accept 1 year. If you've recently gone self-employed in the same industry you previously worked in as an employee, we can often find a lender who'll work with this.
"My accountant minimised my profits so I won't borrow much."
Reality: Some lenders add back certain allowable expenses or consider retained profit within a limited company. We know which lenders take this approach and how to present your accounts to maximise your borrowing.
"I should just go to my bank."
Reality: Your bank can only offer their own products. Searching across 90+ lenders lets us compare how different lenders would treat your income, and we can narrow that down before any hard credit check is made.
Your Advisers

Direct access. No call centres.

Initial consultation is always free — no obligation, no hard sell.

Phil McLeod
Phil McLeod
Principal Mortgage Adviser
First Time BuyersRemortgageSelf-EmployedComplex Cases

Founder of the firm. Based in Lesmahagow, Phil advises clients throughout Scotland on first time buyer mortgages, remortgages, buy to let, self-employed and complex cases.

Lesmahagow, South Lanarkshire
90+ lenders, whole of market
100+ Google Reviews
Free initial consultation
Book with Phil
Dougie Ritchie
Dougie Ritchie
Mortgage Adviser — Buy to Let & Complex Cases
Buy to LetPortfolio LandlordsComplex CasesLtd Company BTL

Based in Renfrew, Dougie advises landlords and complex-case clients throughout Scotland. An experienced adviser and property investor in his own right.

Renfrew, Paisley & Renfrewshire
90+ lenders, whole of market
Property investor & landlord
Free initial consultation
Enquire with Dougie
Areas We Cover

Mortgage advice across Scotland.

We advise clients anywhere in Scotland — including Fort William, Oban and the surrounding areas — with appointments normally carried out by telephone. Initial enquiries are always free.

Lesmahagow
Lanark
Hamilton
Biggar
Motherwell
Carluke
Larkhall
Strathaven
Douglas
Wishaw
Law
Forth
Crossford
Kirkmuirhill
Abington
Renfrew
Paisley
+ All of Scotland
FAQs

Questions answered honestly.

Google Reviews

What our clients say.

5.0· 100+ Google reviewsRead all reviews →
Justine
Larkhall
"Phil has been amazing throughout the full process — reassuring at every step and very helpful with any questions or worries I had. Would absolutely recommend to anyone."
Kevin
Lesmahagow
"Phil was absolutely brilliant to deal with — no issues at all. Would highly recommend. Thanks again Phil."
Verified
South Lanarkshire
"Philip has been amazing from start to finish — from purchasing my house right through to renewing mortgage agreements. Such a dedicated individual. He even helped me secure my home purchase whilst he was on holiday. This man deserves all the credit."
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