close

secure your mortgage deal today

Mortgages for Freelancers

Getting a mortgage as a freelancer can feel more complicated than for someone on PAYE, but it doesn’t have to be. Lenders just need confidence that you can afford your repayments, and that’s where we can help. We help freelancers to find mortgage options that suit their circumstances.

Get started here

Why Freelancers Face Extra Hurdles

Unlike salaried employees, freelancers don’t have a guaranteed monthly income. Lenders may see your income as irregular, which can make it harder to meet standard mortgage criteria.

Common challenges include:

  • Proving consistent income over 1–3 years
  • Showing work history or contracts to demonstrate stability
  • Handling periods of fluctuating income

Our role is to support you to present your case clearly to lenders who understand freelance work, so your application has the best chance of success.

See how we guide you through the mortgage application process »

Why choose WeDo Mortgages?
done
Expert mortgage advice
done
Access to hundreds of deals
done
Excellent feedback from clients
done
Dedicated customer service

What Lenders Typically Look For

While each lender is different, most will ask for:

  • At least 1–3 years of accounts or tax returns (SA302s* or HMRC tax year overviews)
  • Evidence of ongoing contracts or repeat clients
  • A good credit history to support affordability

How We Can Help

  • Wide range of lenders – We can explore mortgage products from a wide range of lenders, including those who specialise in mortgages for freelancers.
  • Tailored application support – We help present your income and supporting documents clearly, increasing your chance of approval.
  • Guidance on documents – From tax overviews to proof of upcoming work, we help you prepare a strong application.

Do you need mortgage advice?

Start your mortgage journey here...

Get started by answering a few simple questions to kick off the process to acquiring the mortgage perfect for you!

Start mortgage enquiry I need a new mortgage chevron_right Start remortgage enquiry I need to remortgage chevron_right

Tips for Freelancers Before Applying

To improve your mortgage options:

  • Keep your tax returns up to date
  • Maintain a separate business account for clarity
  • Aim to minimise gaps between contracts
  • Check your credit score before applying

These steps can help your application run more smoothly, and we can talk you through any extra requirements.


Ready to Explore Your Options?

Whether you’ve been freelancing for 15 years or 3, we can help you explore your mortgage options and guide you through the process step by step.

Contact We Do Mortgages to start your mortgage journey.

* On clicking the above (SA302s) link you will leave the regulated site of We Do Mortgages Ltd. Neither We Do Mortgages Ltd, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site

Testimonials

What our customers say
 
"We opted to use We Do Mortgages as our Mortgage Broker for our first-time house purchase. Josh was allocated to us as our Broker, alongside Sophie whom was the Sale Executive. Throughout the process there were a few hiccups and issues that slowed things down, but Josh could not have been more amazing in sorting everything out for us. We went above and beyond his role as a Broker to assist in resolving said problems, as did Sophie. Without their assistance and dedication, we’d probably still be waiting to exchange! I’d 100% recommend We Do Mortgages for anyone needing a professional, punctual and extremely hard working Broker. Thanks for everything!"
by Emily Kapllani
 
"WeDo mortgages went above and beyond in my experience! I wouldn’t be typing this from our new home if it was t for the help of Marcus especially, who went down every Avenue to make sure this could go through with minimal stress. Thank you so much to you and all your team!!"
by Amy Perkins
Subscribe for mortgage news

Drop us your details to subscribe to mortgage news and updates from We Do Mortgages.

By entering your email address and subscribing to our website, you agree to receive email communication from We Do Mortgages.
About Us
Resources
We provide mortgages in:
Legal
© Copyright. We Do Mortgages. 2025. All Rights Reserved.
Website by Eastway Media.
chat_bubbleclose chat call WeDo Mortgages on Facebook WeDo Mortgages on Instagram WeDo Mortgages on Linkedin