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Professional Sole Trader Mortgage Advisers Serving Buckinghamshire, Northamptonshire & Berkshire

What Do Our Members Think?

Can A Sole Trader Get A Mortgage

So something we get asked a lot is whether I can get a mortgage if I'm self employed, well the simple answer is YES.


Most lenders in the market will ask that you've got at least two or three years full accounts working in your business, however, there are still options for those that haven't quite got two years accounts or maybe they've just finished their first year.


How Does A Sole Trader Get A Mortgage

Lenders will typically look to use an average of your net profits from the last 2 or 3 years. Normally, if you only recently started your business, your latest year's profits might be higher than the previous year because of start-up costs and increased business revenue and sometimes this increase in profit can be quite substantial. If this the case with your business the good news is some lenders in the market will use the latest year’s profits but if you're income has decreased they would typically only use the decreased income.


The key point here is that they will use your net income. So let's say for example you turned over £40,000 through the business but you declared £20,000 of expenses on fuel, materials and advertising, in this instance your net profits would be £20,000 and this would be the figure that was used for affordability, so it's quite important that when you're looking to obtain a mortgage, your accounts look the best they can.

How Can We Help You?

Robin Mortgage Design are a whole of market mortgage & protection brokerage. Mortgage brokers who are whole of market have access to the largest pool of mortgage providers such as banks & building societies and pure mortgage lenders. When you approach us, we take a personal stance from the very start, we'll take the time to understand what your situation is and propose suitable options for your mortgage & protection needs. 

So if you wish to speak with an actual human, then we can get you in touch with your personal mortgage consultant who will be on hand, to guide you through every stage of your journey.

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Qualified and trusted Mortgage & Protection advice 

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Helping you to find your mortgage from 1000's of mortgage deals available everyday to suit a variety of situations.

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We do the work, so you can enjoy the things you love

A Message From The Owner

"Welcome to Robin Mortgage Design. I've worked in the Mortgage Advice industry for a number of years, helping people to finance their property. My biggest motivation has always been to provide more than just a brokerage service. Financing your home and protecting your family with the right solutions for your personal circumstances is so important. At Robin Mortgage Design, my team and I are committed to guiding and supporting you not just at the start, but for the lifetime of your mortgage."

Mark Travell Cert CII 

Managing Director

Get in Touch


The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Not all forms of mortgage lending such as certain Buy to Lets are regulated by the Financial Conduct Authority along with some additional related services, such as Conveyancing. A full disclosure document will be provided to you.

*some services are by provided as a referral to a third party company. No personal information will be shared with such companies without your prior permission. Robin Mortgage Design have no control over these companies and cannot be held accountable for their service or advice.


Robin Mortgage Design is a trading style of Robin Partnership Ltd whom is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.  The registered Office of Robin Partnership is 22 South Street, Castlethorpe, Milton Keynes, Buckinghamshire, MK19 7EL. For more information please please refer to the FCA register https://register.fca.org.uk


Robin Mortgage Design charge a broker fee which is only payable on mortgage offer. The precise amount will depend upon your circumstances however a typical fee is £395.00 and the maximum that could be charged is £1,495.00