Mortgage Advice for Sole Traders

We will search the whole of the mortgage market to come up with a proposal that suits the needs of sole traders. Our specialists will match you with a suitable lender and mortgage deal as a self-employed sole trader.

Sole Trader Mortgage Broker

These days, it is not uncommon for people to work for themselves without ever taking on an employee or deciding to incorporate as a limited company. All sorts of self-employed people choose to operate this way, as sole traders, even if they also have a part-time job as an employee, as well.

Here at Pinnacle Finance, we are specialists in the mortgage market which means that we are ideally placed to help sole traders in all walks of life – whether they’re a freelancer with multiple customers or a professional service provider with just one key client – to secure the borrowing they need. We deal with many complex income cases and are used to the particular needs of sole traders.

What Qualifies as a Sole Trader Income?

A sole trader is someone who earns self-employed income but who has not set up a formal company or partnership. Typically, sole traders trade under their own name and provide goods and services both domestically and internationally. Anyone who is a sole trader in the UK will need to make an annual self-assessment tax declaration and choose to declare themselves as a sole trader with HMRC.

Although sole traders may have other income from outside of their business, the money they earn from their self-employment will usually also be taken into account when applying for a mortgage.

Mortgage Broker Essex

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Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

Will being a sole trader affect the mortgage application process?

Yes, it will. Sole traders typically have income that goes up and down because what they earn is usually directly related to the profitability of their business. As such, some mortgage lenders may see that there is a greater risk involved in lending to sole traders compared to employed people or company directors, for example.

This is not universal, however, and also depends upon your wider financial circumstances. This is why turning to our specialist brokers can be so beneficial in helping you to find the right deal.

How is it possible to get a mortgage as a sole trader?

You will need to demonstrate to any mortgage lender that you can afford to repay your mortgage which will mean showing them your income as a sole trader. Although your income may vary each month, with the right sort of lender, the affordability of any mortgage deal offered will be looked at over a wider period.

How can Pinnacle help with a sole trader mortgage application?

As specialists in mortgage broking, we have the necessary experience to match sole traders – and their partners in the case of joint applications – with the right sort of mortgage lenders.

Please speak to Pinnacle Finance today if you would like to secure a good mortgage deal while working as a sole trader. Our experience can be very beneficial in this niche area of mortgage lending.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna