Can I get a mortgage if I’m self-employed or new to 
the UK?

If you’re self-employed, recently moved to the UK, or don’t have a perfect credit history — you might be wondering: Can I still get a mortgage? The short answer is: yes. But you’ll need the right advice, the right documents, and sometimes — a bit more guidance.

At Smart City Mortgages, we’ve helped hundreds of clients in complex situations buy their homes. Here’s what you need to know if your case isn’t “typical” — and how we can help.

1. Self-employed? Here’s what lenders want to see

Being self-employed in the UK doesn’t stop you from getting a mortgage — but lenders will look at your income differently. Instead of payslips, they’ll ask for:

• Your last 1…2 years of tax returns (SA302s).
• Proof of ongoing work or contracts.
• Business accounts or accountant reference.

Tip. If your income is growing, some lenders average the last 2 years — others look at the most recent only. A good broker will match you with the right one.

2. Just moved to the UK? You still have options

Many lenders prefer borrowers with a UK address history and credit score — but that’s not the whole story. If you’re new to the UK, you can still qualify with the right documents:

• Proof of visa or residency status.
• UK bank account.
• Evidence of regular income.
• Deposit from a UK or international source.

At Smart City Mortgages, we work with lenders who accept international documents and understand visa-specific cases.

3. What if I don’t have a perfect credit history?

Bad or limited credit doesn’t automatically disqualify you — especially if:

• You have a strong deposit (10…15 % or more).
• You’ve stayed up-to-date on recent bills.
• You can explain past issues (like moving country or life events).

Some lenders specialize in “credit repair” or adverse credit mortgages. They may charge a higher rate — but it could still help you get on the property ladder.

Our advisors can walk you through what’s realistic and where to start — with zero judgment.

4. What makes Smart City Mortgages different?

We’re not just a mortgage app. We’re real people who help real people — in English, Polish, Russian, Lithuanian, Hindi, and Chinese.

We help clients with:

• Freelance income.
• Mixed or foreign documents.
• Visa and residence questions.
• Non-traditional job paths

We listen to your story — not just your numbers.

And we match you with lenders who understand your background.

5. Get started — no pressure, no cost

You don’t need to have everything ready before you talk to us. We can help you figure out where you stand, what’s possible, and how to prepare:

• No obligation.
• No forms you don’t understand.
• Just clear, honest advice in your language.

Need help explaining your income, your visa, or your credit? We’re here to help you feel at home — starting with the mortgage

Book a free consultation, or start with our 60-second mortgage calculator.