Self-employed mortgage in Cardiff
There is no such thing as a self-employed mortgage product. There are lenders comfortable reading self-employed accounts and lenders that are not, and a broker's value here is knowing which is which. Cardiff's freelancers, contractors and ltd-co directors pay less when they let local partners compete on the same brief.
Cardiff market snapshot
£0
Cost to you — always free
5
Free quotes, max
100%
Approved & insured
0.37m
Wales population
Cardiff pro tip
Help to Buy – Wales is a separate Welsh scheme with its own rules — pick a broker who has placed Welsh cases.
Where we operate
Mortgage Brokers across Cardiff
Our approved mortgage brokers professionals cover every major Cardiff postcode area. What comes up most in Cardiff:
Postcode coverage
6 postcode areas served
Not your area? Submit your postcode anyway — we cover all of Wales.
Before you ask for quotes
What to know about self-employed mortgage
Two years of accounts is the common ask
Some lenders will work from one year, and a few will consider a first-year contractor on a day rate. The rate is not usually worse — the paperwork is.
How your income is read varies by lender
Sole traders are typically assessed on net profit. Limited company directors are often assessed on salary plus dividends, but some lenders will use retained profit, which can change what you can borrow considerably.
Have the documents ready
SA302s and tax year overviews for the last two or three years, full accounts, and recent business and personal bank statements. Getting these together first is what shortens the process.
Why QuoteMyMove for Cardiff
Approved Cardiff professionals. One free quote form.
Locally approved
Every Cardiff professional is independently background-checked, insurance-verified and customer-reviewed.
Compare with confidence
Get up to 5 quotes from approved Cardiff mortgage brokers professionals — clear prices, real reviews.
Reviewed after every job
We invite every Cardiff customer to review their professional once the work is done, and publish what they say.
Ready to compare Cardiff mortgage advice quotes?
A few minutes to fill out. Up to 5 free quotes from approved local professionals.
Refine your search
More mortgage brokers in Cardiff
Mortgage Brokers elsewhere
