Self-Employed Loans

Choosing to work for yourself can be one of the most liberating decisions you can make for your career journey. Although navigating mortgage finance whilst self-employed can introduce certain complexities, with the right knowledge and preparation, securing competitive mortgage offers from some of the UK’s most cost-effective lenders is entirely achieveable.

LEt’S Get Technical

Your Home may be repossessed if you do not keep up repayments on your mortgage

The landscape of the mortgage market is always evolving.

Our expertise lies in finding the perfect match, identifying the right lender for your income structure, whether it’s derived from dividends, retained business profits, or earnings from substantial Partnerhips and LLPS.

We’re here to make sure your time and resources are invested wisely, steering clear of options that won’t work for your needs. Let us guide you to the mortgage solution you deserve, with no time or money wasted.

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Your Home may be repossessed if you do not keep up repayments on your mortgage 

Depending on your circumstances and the complexity of your case we may charge a fee for our work. The fee charged will be agreed with you prior to any application. A typical fee is at £500, however the exact fee will be agreed between you and your advisor directly and may be more or less than this figure.

Anderson Harris Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

WHY USE ANDERSON HARRIS?

Professional, Friendly Staff

We’re enthusiastic about helping clients achieve their property dreams. Our experienced staff will invest time to understand your circumstances and find the right solution for you.

Proactive & caring

Interest rates and the property market can abruptly change. We stay informed, monitoring the markets in order to alert our clients to any changes that may affect them.

Acclaimed Customer Service

We form long-standing relationships with our clients. They value our unbiased advice, our responsiveness and our genuine interest in their life goals.

Sustainable & Considerate

Keen to minimise our impact on the environment, we’ve invested in IT to create a paperless office and facilitate remote working, reducing the carbon footprint of our business.

WANT TO eNQUIRE ABOUT A MORTGAGE?

Our team of specialists are ready and waiting to help turn your property dreams into a reality.

Please complete this form to find out how we can find the right mortgage, and save you time and money.

Testimonials
MS FANCOURT

The team went above and beyond, and we wouldn’t hesitate to recommend them to anyone looking for expert mortgage advice and support. Thanks again for all your help!

SIMON STODART

Anderson Harris's Tom Rimmer was understanding of our mortgage needs and sourced an excellent re-mortgage deal for us. He was proactive with the changes to mortgage rates and was happy to listen and check on new rates that I had heard about.

KAREEM MACHNUK

I wouldn’t hesitate to recommend Anderson Harris to anyone looking for expert mortgage service.

WILLS WATSON

Best in class! Harry and the whole team have always been fantastic. Always on hand to answer a call/message (weekends/holidays etc.) which is testament to the high service they give.

LAURENCE BUTT

I have worked with Harry and the team repeatedly over the years for various mortgages / remortgages and each time leave feeling equally impressed - not only with the deals they can source but with the tailored, personal, approach they take. Always professional, highly efficient, calm, they make the entire process straight forward. Can’t recommend highly enough.

SHANNON & MATTHEW

If you want a mortgage advisor who’s not just knowledgeable, but truly dedicated to your needs, Tom is the mortgage adviser to go to. We would whole heartedly recommend him and Anderson Harris to anyone.

TOM

As always they have been very professional in dealing with my re-mortgage and secured me the best deal available

MICHAEL

The service received from Tom and Tonie at Anderson Harris was exceptional. All communication was clear, responsive and genuinely helpful. We appreciate Tom going above and beyond to answer all our questions as first time buyers and provide assurance throughout the process. Thank you also for the celebratory gift once we completed, it was such a kind gesture!

PATRICK

Friendly service, with great advice. Thank you Harry and Tonie!

JAMES

Harry, Tonie, and the team have always sought to understand our needs and recommend the best products. Communication is always timely and efficient, would recommend highly

MKB

Anderson Harris did rate changes on a number of my properties. Some of which were quite complicated. I was kept informed with their progress at all times.

I would like to thank Anderson Harris for their professionalism and support throughout the process.

I would be very happy to recommend Anderson Harris.

parris

Tom, the mortgage advisor has been recommended to us by our friend and we must say the overall service has been incredibly responsive, efficient and a real pleasure.

Thank you Tom and Tonie!

Highly recommended

tb

Outstanding service (again). I caused a slight delay in the transaction, and Tonie could not have been more patient and professional. I will be asking Tom Rimmer and Tonie Copeland for advice again in the future.

Testimonials

Self-Employed Loans
Frequently Asked Questions

  • Yes. Being self-employed does not stop you getting a mortgage, but lenders often assess the case more carefully than they would for a straightforward salaried applicant, especially where income is variable or business structures are more complex.

  • That depends on how you are paid. Anderson Harris already positions this page around dividends, retained profits, and partnership or LLP earnings, so the right lender choice matters because not every lender will assess those income types in the same way.

  • A common starting point is your SA302 tax calculation and tax year overview, plus the wider business or personal documents a lender asks for. HMRC explicitly notes that SA302s may be requested as evidence of earnings for self-employed mortgage applications.

  • Sometimes, yes. Some lenders will look beyond salary and dividends and take a view on retained profits in the business, but this is very lender-specific, which is why matching the case to the right underwriting approach can materially change the outcome.

  • Yes. The page already speaks directly to borrowers earning through dividends, substantial partnerships and LLPs, so the FAQ should make clear that this is for more than just sole traders.

  • Collaborative, honest, and straightforward. We're here to guide the process, bring ideas to the table, and keep things moving.