Looking For A Mortgage When Self-Employed?
It Doesn’t Have to Be Complicated.
Whether you’re a sole trader, contractor, freelancer, or limited company director, proving your income to a lender can sometimes feel like jumping through hoops. But it doesn’t have to be that way. With access to over 100 lenders—and years of experience helping self-employed people—we’ll find the right mortgage to suit your circumstances.
Trusted by 1000's of Homeowners.
100
%
Excellent Rating on Trustpilot
25
+Years
Industry experience
1
K
+
Satisfied clients
5
*
Read Our 5* Google Reviews
.jpg)
About Us
Founded in 2004, Chetwood Lloyd began with a simple goal: to provide excellent, reliable mortgage advice to families and individuals.
Over the years, we’ve grown into a trusted name, helping hundreds of people buy or remortgage their home.
Our Mission
Our mission is to help people secure their homes and futures with confidence, clarity, and care, building a trusted community rooted in lifelong support and shared success.
Our Vision
Our Vision is to simplify mortgages and financial protection, providing honest, independent advice that helps families achieve their goals, protect what matters most, and ensure we’re here to support you for the long term
Overwhelmed by paperwork, jargon, and uncertainty?
You want to secure a mortgage, but being self-employed makes the process feel confusing and time-consuming.
We’re self-employed, but lenders don’t understand how we earn.
Whether it’s irregular income, dividends, or retained profits, proving affordability isn’t always straightforward—and most lenders make it feel harder than it should be.
We’ve been told we don’t fit the standard criteria.
Some banks only want to see 2–3 years of accounts. Others won’t consider contractors or freelancers at all. It’s tough to know where to turn, or which lenders will look at your situation fairly.
Getting a self-employed mortgage isn’t always straightforward
From SA302s and tax returns to company accounts, every lender seems to want something different. It can feel like a moving target.
Dealing with lenders & solicitors is frustrating.
Endless paperwork, requests for “more proof,” and slow responses can make the process more stressful than it needs to be.
Making the wrong move could cost you more.
Relying on one bank—or getting advice from someone who doesn’t understand self-employed mortgages—could leave you with the wrong deal and higher monthly costs.
The Right Mortgage, Made Simple for the Self-Employed
With expert guidance and access to 100+ lenders, we take the stress out of securing a mortgage when you work for yourself.
We understand self-employed income.
Whether you’re a sole trader, contractor, freelancer, or limited company director, we know how to present your accounts, SA302s, dividends, and retained profits so lenders see your true affordability.
We match you with the right lenders.
With access to 100+ lenders, we’ll focus on those who specialise in self-employed mortgages—so you won’t waste time applying where you don’t fit the criteria.
We make the paperwork simple.
We’ll tell you exactly what documents you need, prepare your case, and handle the back-and-forth so you don’t have to.
We guide you every step of the way.
From the first call to the day you get the keys, we deal with the lenders, valuers, and solicitors—removing the hassle from your shoulders.
Our Advice Is 100% Free.
Like all mortgage advisors, we receive a commission from the lender — but unlike many, we don’t charge you any extra fees.
How It Works
It’s a clear, step-by-step process — and we’re here to guide you through it from start to finish, with no stress and no fees.
Get in touch for a quick chat
Call us, send a message, or book a time that suits you. We’ll call and ask a few questions to understand your situation and begin to put a robust plan together so you are ready to view properties with confidence.
We present your options clearly
We’ll walk you through everything in an online presentation, tailored to your needs. Then we’ll send you a full written summary to look through in your own time. If you’re happy, you just give us the go-ahead.
We handle the mortgage, paperwork, and process
We’ll arrange your mortgage, recommend a solicitor, deal with the lender, and guide you through every step — from your first viewing to getting the keys. No jargon, no chasing, just clear advice and support all the way.
Delaying Could Make Getting a Mortgage Harder
Being self-employed already means lenders look more closely at your income. Waiting too long to get advice could mean higher rates, stricter checks, or missing out on the right deal.
The sooner you get your paperwork and mortgage sorted, the stronger your position becomes. Even if you’re only thinking about buying, speaking to an expert now can save you time, money, and unnecessary stress later. Book a free call today and take the first confident step towards securing your mortgage.
Book a free, no-obligation chat today.
Let’s find the best way to secure your mortgage when you’re self-employed—so you can move forward with confidence.”
From Us
Jamie
Mortgage Advisor
Gurpreet
Paraplanner
Jamie
Mortgage Advisor
Your Questions Answered
Yes. Being self-employed doesn’t stop you from getting a mortgage—it just means lenders will want to see proof of your income. With access to 100+ lenders, we’ll help you find the right one for your circumstances.
Most lenders ask for 2–3 years of accounts or tax returns, but some will consider you with just 1 year. We know which lenders are flexible and can guide you towards the best options.
Usually, you’ll need recent tax returns (SA302s), accounts prepared by an accountant, and bank statements. Don’t worry—we’ll tell you exactly what’s required and help you get everything in order.
It can feel that way, but with the right advice it doesn’t have to be. The key is knowing which lenders understand self-employed income. That’s where we come in—making the process straightforward and stress-free.
Ready to get in touch?
Whether you are buying a home or need to remortgage, we're
here to help you to find the best solution.
Wrexham. LL13 8AH