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Self Employed Mortgage Calculator


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Our calculator will give you an estimate of the monthly repayments that you may get with your self-employed mortgage. While this is a rough estimate it’s best to get a more accurate assessment from a qualified specialist. Get a quote based on your actual circumstances you can call us or fill in one of our enquiry forms and a specialist mortgage broker will call you back


Self Employed Mortgage Calculator

A lot of people like to do their own research before they speak with a specialist so that they can get an idea of payments that they will have. This allows for financial planning and can give an initial indication if you are likely to be able to afford the mortgage you plan on getting.

The actual amount you can borrow will be decided by the lender, our site gives general information on what lenders are offering as a whole it’s not individual advice. With self-employed mortgages your income will need to be discussed with your broker so they will be able to work out your exact yearly income, this will be the figure that banks will use to calculate how much they are willing to lend you.

tickOur specialists can help with

tickMissed payments

tickLate Payment

tickCounty court judgments

tickPoor credit rating

tickDistcharge Bankrupcty


tickOur specialists can help with

tickSelf Employed



tickSole Traders

tickDoctors Mortgages

tickTaxi Driver Mortgages

The amount that you can borrow will vary from lender to lender. Some lenders will lend as low as 3.5 x income and some lenders will lend up to 5 or even 6 x your income. This is why it is important to ensure that you have all of your income documented to maximise the amount that you will be able to lend.

How much can I borrow when self-employed?

There are a lot of factors that will affect how much you are able to borrow. It is best to speak with a specialist advisor who will be able to give you advice you on which lenders will offer you the best mortgage for your circumstances. Specialist lenders may take more of your income into account and this will mean you will be able to borrow more.


What is the interest?

The interest on the calculator is variable this allows you to try different percentages so you can see the different amounts the monthly payments on your mortgage may be. Depending on the rate you are offered by your lender. For self-employed mortgages the interest rates can be great and you may be able to get the same rates as a employed applicant. Your credit rating, income complexity and deposit size will be factored into the lenders calculations when they are deciding on the rate they will offer you. The lower the perceived risk the lower rate you will be able to get.


What kind of mortgages are there?

If you are self-employed there are plenty of options for you to choose from. Your trading history will also become a factor when it comes to how many lenders are willing to consider your application. IF you have been self-employed for less than two years it will limited the number of lenders. Your advisor will be able to compare lenders that are more likely to consider your application

You will be able to get access to all types of mortgages as a self employed applicant

  • Fixed Rate
  • Variable Rate
  • Life Time Tracker


Expert Mortgage Advice

At Get Me My Mortgage we specialise in helping our visitors get the right financial advice from industry specialists. Fill in an enquiry form or call us today.Our expert brokers will carry out a thorough fact find to give you the best chance of getting your mortgage approved at the best rate possible.


Self-Employed Mortgage Information

Looking for specialist advice? Read through our articles about different problems some of our self-employed applicants have faced, and get the best advice to get the mortgage that you need.

Terms & Conditions is an information-only website we strive to give information and tips that are relevant to our users; we don't guarantee to be right all of the time so take professional advice before acting on any information on this site. We can't accept liability should anything go wrong.

We are UK based, and the information we provide is relevant only to the UK. The information isn't tailored to your circumstances; we strive to put you in touch with an appropriate broker for your particular needs. All of our experts are appropriately qualifies and regulated by the FCA as appropriate.

Legal Information

Your initial mortgage consultation is always free of charge. Depending on the complexity of your mortgage, there may be a fee for your broker's mortgage advice and arrangement service. Any fees will be discussed and agreed with you before you make a mortgage application. is an independent marketing website registered in the UK. The purpose of the site is to put you in touch with a suitable expert.


Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

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