Can you get a mortgage if you're self-employed?

Yes, you can absolutely get a mortgage if you're self employed. The reason you might have heard otherwise is that it can be a little trickier to do, lenders tend to ask for different documentation from self-employed people and certain criteria must me be met.

Another important point to make is that self-certification mortgages are no longer available in the UK, these were products that allowed consumers to state their income without any form of proof and whilst it was a useful tool for a lot of self-employed people, the system became widely abused and ended with people taking out mortgages that were too big for them to be able to afford.

There is always a lot of talk in the media about how it is practically impossible to get a mortgage if you're self-employed, in reality, this couldn't be further from the truth, there are a wide variety of lenders that will accept applications from self employed borrowers, each of them taking a unique view on the deal meaning that with the help of a knowledgeable adviser there should be someone willing to lend to you providing the mortgage is affordable and you can provide the relevant documentation.