Self-Employed Solutions
🏠 Self-Employed Mortgages with Pluto Financial
At Pluto Financial, we understand that being self-employed doesn’t mean compromising on your dream home. Whether you’re a freelancer, contractor, sole trader, or limited company director, our tailored mortgage solutions are designed to fit your unique financial situation.
What You’ll Need
SA302 forms or tax year overviews from HMRC
Two to three years of business accounts, ideally prepared by a qualified accountant
Personal and business bank statements (3–6 months)
Evidence of ongoing or future contracts, if applicable
📈 Interest Rates & Affordability
Being self-employed doesn’t automatically mean higher interest rates. Lenders assess your affordability based on
- Consistent income history
- Deposit size
- Business stability