Buying a home is a huge milestone, but if you’re self-employed, getting a mortgage can feel more complicated. Unlike traditional employees with payslips, self-employed individuals must provide extra proof of income, making lenders more cautious. However, that doesn’t mean homeownership is out of reach. With the right preparation and understanding of lender requirements, you can secure a great mortgage deal. This guide will walk you through the essentials of self-employed mortgages in the UK, including eligibility, required documents, deposit expectations, and ways to boost your approval chances.
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