Sole Trader Mortgages

We Help Sole Traders Like You Qualify

Pre-Approval in 24 Hours — Even If You’ve Been Declined Before
As the UK’s self-employed mortgage specialists, we help sole traders like you unlock better rates, higher borrowing, and faster approvals — backed by our expert brokers and in-house underwriting team.

  • Just 5% Deposit
  • 1yr Trading
  • Jump in Profit
  • Fast-Track Approval

Check Your Mortgage Options

Only takes 2 Mintues
No Credit Check · Instant Results · Zero Obligation

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Sole Trader Mortgages

We Help Sole Traders Like You Qualify

Pre-Approval in 24 Hours — Even If You’ve Been Declined Before
As the UK’s self-employed mortgage specialists, we help sole traders like you unlock better rates, higher borrowing, and faster approvals — backed by our expert brokers and in-house underwriting team.

Check Your Mortgage Options

No Credit Check · Instant Results · Zero Obligation

Trustpilot

Trusted Self Employed Mortgage Brokers

Don’t just take our word for it… Read genuine customer reviews to see what makes us trusted self employed mortgage brokers

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Sole Trader Mortgage Specialists

Getting a mortgage as a sole trader isn’t always straightforward — but that’s where we come in. We specialise in helping sole traders just like you get approved, even with fluctuating income or a short trading history. We’ve already helped 1,000+
self-employed clients secure great deals by working directly with lenders who truly understand how sole trader income works.
Let us do the heavy lifting – so you can borrow more, get better rates, and finally move forward with confidence.

No matter your circumstances — if you’re a sole trader, we’ll show you exactly what you qualify for.
Take our short quiz — we’ll do the rest.
Self Employed
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Real Mortgage Advice for Sole Traders

Speak to an Expert Who Gets It

Speak To An Advisor Now

Confused About Your Options?
Think You Won’t Get Approved?

We help sole traders like you every day — and we know how to cut through the noise. Our expert team will walk you through your real options with zero obligation and no hard sales. Just straight answers, real support, and a clear plan to help you move forward. The clarity you’re looking for is just a few clicks away.

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TAKE THE QUIZ

Our Sole Trader Mortgage Lenders

We compare 1000’s of mortgages

We work with a wide panel of lenders — from major High Street banks to specialist lenders who understand how sole trader income works. Our expert team knows exactly where to go to match the best deal based on your unique circumstances.

Why Sole Traders Choose New Wave

Here’s How We Help Sole Traders Like You…

Built for Sole Traders. Backed by Experts. Trusted Across the UK.

Up to
95% ltv

Up to 95% ltv

We access lenders that require just 5% deposit

Only 1 Yr Trading

We can help you with just 12 months trading history

Get More Money

We use your latest figures rather than an average

Faster Approval

We aim for a lending decision the same day you register your enquiry

Specialist Lending

Our experts do things the high-street can’t such as unlocking your borrowing power

Get your Sole Trader Mortgage Pre-Approved Today

TAKE OUR ONLINE QUIZ >>

Know Your Options In Minutes

Takes less than 2 mins. No credit check.

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Self Employed Mortgage FAQ’s

Ask Our Experts…

Our experts like to keep things simple and in plain English.

Being self-employed has its own unique challenges which is why most banks reduce the amount of money you can borrow. That’s why we created a service that puts the ball firmly back in your court. This includes being able to borrow even more than someone who is employed!

Find out if you qualify. Take our online quiz

Most limited company directors pay themselves a small salary and then take the rest in dividends. This is standard practice however it often restricts the amount of money you can borrow. By working with us, we can use your income in a variety of other ways to maximise your affordability and significantly boost your loan amount.

Find out if you qualify. Take our online quiz

Unless you’re a contractor with previous experience in the same field then the answer to this question is 12 months.

Unfortunately lenders want to see a minimum of one years trading history before they will accept an application.

Find out if you qualify. Take our online quiz

Yes! We have key relationships with lenders that are happy to lend based on your most recent years income rather than take an average.

The rates are really competitive and often help you achieve a much higher loan amount. Get your personalised mortgage quote today.

Find out if you qualify. Take our online quiz

We believe in placing the best specialists for the right jobs.

We understand this market better than most because it’s what we’ve chosen to hone our knowledge and skills in.

This increases your chances of being accepted for a mortgage and on the best terms possible.

You wouldn’t want a plumber to fit your electrics now would you!?!

Find out if you qualify. Take our online quiz

Firstly there are no fees payable upfront. Once we’ve found a solution for you and understand the amount of work involved a broker fee is agreed.

There is no obligation for you to proceed at this point.

Assuming you’re happy to go ahead we’ll then take care of your application. Only when the mortgage is officially accepted and you receive your formal mortgage offer will the broker fee become payable.

No risk, just how we like it.

Find out if you qualify. Take our online quiz

The good news is the specialist lenders we work with are more flexible than ever.

Our expert advisers take time to understand your credit issues BEFORE making any applications otherwise you could be making your situation even worse than when you started.

We recommend you get a copy of your recent credit report and our advisers can tell you normally the same day whether you’re likely to get a mortgage.

Find out if you qualify. Take our online quiz

The truth is that most high street banks see you as high risk. In return, they make their criteria for self employed mortgages tougher for you to qualify.

We work with lenders that are designed specifically for you.

These lenders want your business so when you combine that with our relationship with them you stand a much better chance getting the mortgage you deserve.

Find out if you qualify. Take our online quiz

Have a question but can’t seem to find the answer? Click here

Get your Sole Trader Mortgage Today

TAKE OUR ONLINE QUIZ >>
TAKE OUR QUIZ