Mortgage Calculator

Built Just For The Self-Employed

Every other mortgage calculator asks for your income and multiplies it by five. Ours is built around how self-employed people actually earn — salary plus dividends, retained profit, day rate, CIS, or sole trader latest year. The first realistic answer you’ll get online to understand what you can borrow.

  • Limited Company Directors

  • Sole Traders

  • Contractors

  • CIS Subbies & more…

Get A Realistic Answer

Takes less than 2 minutes. No credit check required.

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1,000+ Reviews | £500M+ Placed | Awards 2026

Min. 1 Yr Trading | Fast Decisions | 6 x Income

Mortgage Calculator

Built Just For The Self-Employed

The first realistic answer you’ll get online to understand what you can borrow

Find Out Today

Takes 2 mins. No credit check required.

Trustpilot

1,000+ 5★ Reviews |  Award Winners 2026

Used By Self-Employed Across The UK

Real reviews from limited company directors, contractors, CIS subbies and sole traders we’ve placed after they ran the numbers.

If you are using a mobile device please turn to landscape to read them.

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Why Every Other Calculator Lies

Type your income into a high street bank’s calculator and it spits back a fraction of what you could actually borrow.

Why? Because their calculator was built for someone on PAYE. Your salary plus dividends, retained profit, day rate or CIS deductions get ignored, averaged, or punished. Ours doesn’t do any of that.

Run the numbers in 2 minutes. No contact details needed to see your figure. No credit check. Just the realistic answer the high street won’t give you.
Self Employed
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Rather Just Talk To Someone?

Rather Just Talk To Someone?

Skip The Calculator. Speak To Us.

Want a real specialist to run the numbers and explain your options properly?

Some people prefer to skip the calculator and have a 15-minute call with a specialist instead. We’ll talk you through what you could realistically borrow based on your exact situation — no hard sell, no pressure, no obligation. Whatever’s easier for you.

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The Lenders Behind The Numbers

We Compare 1,000s Of Mortgages

Our calculator isn’t pulling numbers out of thin air. It’s modelled on lenders we work with who actually lend to self-employed. The figure you see is the figure we can usually deliver.

What Makes Our Calculator Different

Five ways ours beats the generic calculator your bank gives you

Tailored By
Income Type

Tailored By
Income Type

Different maths for directors, contractors, CIS and sole traders

Uses Retained Profit

Directors — your retained profit counts. Most calcs ignore it

Your Day Rate Counts

Contractor or CIS? Your day rate is treated as income, not penalised

Realistic Outgoings

Factors in credit commitments — so the figure is one you’ll actually get

Built By Specialists

Modelled on what lenders actually approve, not a generic 4.5x rule

See What You Could Actually Borrow Today

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The First Calculator Built For You

Takes less than 2 mins. No credit check.

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Self-Employed Calculator FAQs

Before You Run The Numbers

What our calculator does, and what makes it different from the rest.

Your bank’s calculator was built for someone on PAYE. Type a director’s salary in and it’ll only count the small PAYE element, ignore your dividends, and punish retained profit. Ours does the maths properly — based on how you actually earn, not how an employee earns.

Find out how much you can borrow. Get Started Here

No. You’ll get your realistic borrowing figure on screen at the end of the calculator. If you then want to know what the monthly payments would look like, that’s the point where we’d ask for your details — but seeing your number is free and anonymous.

Find out how much you can borrow. Get Started Here

Far more accurate than the generic calculators. We’ve modelled it on what the specialist lenders we work with actually approve for self-employed clients — including outgoings and credit commitments. It’s the closest thing to a real answer you’ll get without a phone call.

Find out how much you can borrow. Get Started Here

Limited company directors (salary, dividends, retained profit), sole traders (latest year and 2-year average), contractors on day rate (inside and outside IR35), and CIS subcontractors. If your situation is more complex, the team can run it manually.

Find out how much you can borrow. Get Started Here

Self-employed mortgages are our entire business. £500M+ placed. 1,000+ 5★ Trustpilot reviews. Nominated for the British Specialist Lending Awards 2026 — Complex Income. We built the calculator because every other one gave our clients the wrong number.

Find out how much you can borrow. Get Started Here

You’ll have the option to see what the monthly payments would look like at that loan amount. If you want to take it further, you can request a call with a specialist. No obligation at any point — and no broker fee unless your mortgage is officially offered.

Find out how much you can borrow. Get Started Here

Yes. A lot of people use it just to see what they’d be borrowing against in 6 or 12 months — useful if you’re thinking about timing, deposit size, or whether to wait for another year’s accounts. No pressure to do anything with the answer.

Find out how much you can borrow. Get Started Here

Yes. The calculator is free. Seeing your figure is free. Even speaking to the team is free. We only charge a broker fee (£1,495) when your mortgage is officially offered — and only if you choose to apply through us. No upfront cost, no hidden anything.

Find out how much you can borrow. Get Started Here

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The First Calculator Built For You

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