If you’re self employed and looking for a mortgage in Northern Ireland, you’ve probably already heard it’s more difficult to secure a deal. The truth is, it’s not harder; it just requires the right advice, the right lender, and a mortgage broker who understands how to present your income clearly.
At Tyrone Mortgages, I specialise in self-employed mortgages in Northern Ireland. I help everyone from sole traders to limited company directors access the most suitable mortgage for their circumstances. Whether you’re based in Omagh or elsewhere across Northern Ireland, I’ll guide you through the entire process, making it as smooth and stress-free as possible.
Being self-employed shouldn’t make getting a mortgage more difficult; it just means working with someone who understands how to present your income properly. At Tyrone Mortgages, we’ve helped countless self-employed applicants, from sole traders to limited company directors, secure competitive mortgage deals with confidence.
If you’re self-employed and planning to buy a home, remortgage, or invest in property, we’re here to guide you through every step. From understanding what lenders need to preparing your documents and finding the most suitable deal, we’ll do all the work for you so you can focus on running your business.
When you’re self-employed, mortgage lenders don’t assess your income using payslips. Instead, they look at your trading history, business accounts, and tax records. The process is different, but not harder when you have the right help.
At Tyrone Mortgages, we’ll help you prepare and present:
Your self-assessment tax return
Tax year overviews
Certified accounts from a qualified accountant
Proof of dividend payments, retained profits, or ongoing contracts
We’ve built strong relationships with a wide range of lenders, many of whom offer the same mortgage rates to self-employed applicants as they do to PAYE employees, provided the application is packaged correctly.
Whether you’ve been trading for years or just completed your first tax year, we’ll explain what’s possible based on your current position and how to move forward effectively.
Get on the property ladder with as little as a 5% deposit.
Access exclusive deals from a wide networth of trusted lenders.
Receive quick, clear decisions to keep your homebuying journey moving.
We work around your schedule - book a time that suits you, even evenings.
As a locally based, independent mortgage broker, we take pride in delivering personal service with proven results. We understand the nuances of self-employed income and how to present your case in the best possible light. Whether you’re a sole trader, a limited company director, or in a partnership, we’re here to help.
We don’t make assumptions. Instead, we:
Work with lenders who understand self-employment
Tailor your mortgage application to your individual income structure
Explain what you can borrow and what documents are needed upfront
Handle the entire process from enquiry to completion, including dealing with solicitors, lenders, and underwriters on your behalf
And we’ll always give you honest, clear advice, with no jargon or pressure.
Speak to a member of the Tyrone Mortgages team today and get clear, experienced guidance on how to secure the best mortgage deal available for your business setup and income.
From your initial enquiry to the final offer, we’re here for every step of your mortgage journey. We’ll start with a simple chat about your goals and then help you pull together the documentation needed to move forward.
Depending on your situation, we may ask for:
Two years of tax returns and tax year overviews
Certified accounts (for limited companies)
Bank statements
Details of ongoing work, contracts or business growth
We work hard behind the scenes to match you with lenders who are flexible and experienced with self-employed applicants. Most of the time, the process is just as smooth and the rates just as competitive as it is for employed borrowers.
We’ll also advise you on protection policies, such as income protection or life insurance, if appropriate, to help safeguard your mortgage and long-term financial plans.
The key difference in self-employed mortgages is how income is assessed. Lenders don’t use payslips. Instead, they’ll look at your self-assessment tax returns, accountant-prepared figures, and sometimes your business bank statements to build a picture of your affordability.
If you’re a:
Sole trader – lenders will typically use your net profit
Limited company director – lenders may look at your salary and dividends, or include retained profit, depending on the lender
Partner in a business – your share of profits is assessed
Most lenders prefer to see two years of accounts, but some will consider one year if your business is stable and the rest of your application is strong.
We’ll help you understand what’s required, which lenders are most likely to support your application, and how to present your income in a way that maximises your borrowing potential without stretching beyond what you can comfortably afford.
Applying for a mortgage when you’re considered self employed can feel more complex, but with the right guidance and the following documents, it’s very achievable. From your tax return and certified accounts to your tax year overview and bank statements, we help you provide evidence of your main income, including dividend payments and upcoming contracts.
Our team will match you with a trusted mortgage lender who understands your business, your future earnings, and your ability to afford the monthly repayments.
We work with many lenders, and our experienced mortgage brokers know how to present your proof of income clearly, ensuring you’re in the best possible position to succeed. Talk to us today and find the right mortgage for your goals.
