--- title: "Self-Employed Mortgage Calculator UK 2026 — Sole Trader, Ltd, Contractor | First Rung Now" description: "Free UK self-employed mortgage calculator (2026). Real borrowing for sole traders, Ltd Co directors, CIS & contractors — free specialist UK broker quote." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How many years of accounts do UK self-employed borrowers need?", "acceptedAnswer": { "@type": "Answer", "text": "Two years is standard; some lenders now accept one year for sole traders and Ltd companies with strong current-year performance and a specialist broker to place you." } }, { "@type": "Question", "name": "Can UK contractors get mortgages on day rate?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — a specialist broker will place you with lenders that annualise day rate × 5 days × 46–48 weeks, ignoring net profit shown on tax returns." } }, { "@type": "Question", "name": "Which UK lenders use retained profit for Ltd company directors?", "acceptedAnswer": { "@type": "Answer", "text": "Kensington, Clydesdale, Kent Reliance and a handful of others use salary + retained profit (rather than salary + dividends), which usually boosts borrowing significantly." } }, { "@type": "Question", "name": "Can I get a UK mortgage with bad credit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — specialist lenders (Pepper, Vida, Precise, Kensington, Bluestone) price for defaults, CCJs, DMPs and even discharged IVAs. Rates are higher but achievable with the right adviser." } }, { "@type": "Question", "name": "Can I get a UK mortgage on a spouse or family visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — several UK lenders accept spouse visa (FLR-M), skilled worker and ILR applicants with 2+ years remaining. Some require a UK-national co-applicant; some don't." } }, { "@type": "Question", "name": "Can UK expats or non-residents get a mortgage in the UK?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, through expat and international divisions of HSBC, Barclays, Skipton International, Marsden BS and specialists. Deposit is usually 25–35% and income proof requirements are stricter." } }, { "@type": "Question", "name": "Are there UK mortgages for people over 65 or 70?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — RIO (retirement interest-only), later-life lifetime mortgages, and standard mortgages with max term to age 75–85 depending on lender. A retirement mortgage specialist is essential." } } ] } ] --- [Skip to content](#main) [![First Rung Now](/assets/logo-mark-BqLOgqvj.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Calculators](/calculators) 3. Specialist Mortgages Specialist Mortgages Calculators # Specialist mortgage calculators Self-employed, contractor, CIS, adverse credit, HMO, holiday let, bridging, offset, expat, retirement — every specialist scenario has its own lender pool and criteria. ## Self-employed mortgage calculator Enter your figures, then add your name and phone to reveal the result. Free, no credit check. Year 1 net profit / SA302 income (£) Year 2 income (£) Latest year income (£) Deposit available (£) Get your result & a free broker sense-check Add your name and phone (required) — we'll show your figures and optionally match you with a vetted FCA-regulated broker. No spam, no credit checks. Your name \* Phone number \* Email (optional) I'd like to be matched with a vetted broker for a free, no-obligation chat. Untick if you only want the calculation. Show my result By submitting you agree to our [Privacy Policy](/privacy-policy). ## More specialist mortgages calculators ### Contractor mortgage calculator Day-rate × 5 × 46 weeks = notional income. Specialist lenders lend against this, not tax returns. [Ask a broker to run this](/find-a-mortgage-broker) ### CIS mortgage calculator Construction Industry Scheme workers — gross income before CIS deduction is often useable. [Ask a broker to run this](/find-a-mortgage-broker) ### Adverse credit mortgage calculator Higher rate tiers and specialist lenders for defaults, CCJs, DMPs, IVAs. [Ask a broker to run this](/find-a-mortgage-broker) ### Interest-only eligibility calculator Minimum income (typically £75k–£100k) and repayment vehicle criteria. [Ask a broker to run this](/find-a-mortgage-broker) ### Holiday let mortgage calculator Uses AST rental comparable (not holiday income) for ICR stress testing. [Ask a broker to run this](/find-a-mortgage-broker) ### HMO mortgage calculator 165%+ ICR and specialist lender pool. Article 4 area constraints. [Ask a broker to run this](/find-a-mortgage-broker) ### Commercial mortgage calculator Debt Service Coverage Ratio (DSCR) 1.25×–1.5× based on the business. [Ask a broker to run this](/find-a-mortgage-broker) ### Bridging loan calculator 0.55–0.85%/month, arrangement fee + exit fee + interest (rolled or retained). [Ask a broker to run this](/find-a-mortgage-broker) ### Offset mortgage calculator Savings offset against balance — no interest earned but no tax on saved interest. [Ask a broker to run this](/find-a-mortgage-broker) ### Guarantor mortgage calculator Family income supports the affordability calculation; charge over guarantor's property. [Ask a broker to run this](/find-a-mortgage-broker) ### Right to Buy mortgage calculator Council tenant discount counted as deposit for 100% LTV in many cases. [Ask a broker to run this](/find-a-mortgage-broker) ### New build mortgage calculator Deposit unlock schemes, developer contributions and 10% deposit norms. [Ask a broker to run this](/find-a-mortgage-broker) ### Expat mortgage calculator UK property mortgages for non-resident borrowers earning in EUR, USD, AED. [Ask a broker to run this](/find-a-mortgage-broker) ### Retirement / later life mortgage calculator RIO, standard capital & interest into retirement, lifetime mortgages. [Ask a broker to run this](/find-a-mortgage-broker) Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day. ## Frequently asked questions ### How many years of accounts do UK self-employed borrowers need? Two years is standard; some lenders now accept one year for sole traders and Ltd companies with strong current-year performance and a specialist broker to place you. ### Can UK contractors get mortgages on day rate? Yes — a specialist broker will place you with lenders that annualise day rate × 5 days × 46–48 weeks, ignoring net profit shown on tax returns. ### Which UK lenders use retained profit for Ltd company directors? Kensington, Clydesdale, Kent Reliance and a handful of others use salary + retained profit (rather than salary + dividends), which usually boosts borrowing significantly. ### Can I get a UK mortgage with bad credit? Yes — specialist lenders (Pepper, Vida, Precise, Kensington, Bluestone) price for defaults, CCJs, DMPs and even discharged IVAs. Rates are higher but achievable with the right adviser. ### Can I get a UK mortgage on a spouse or family visa? Yes — several UK lenders accept spouse visa (FLR-M), skilled worker and ILR applicants with 2+ years remaining. Some require a UK-national co-applicant; some don't. ### Can UK expats or non-residents get a mortgage in the UK? Yes, through expat and international divisions of HSBC, Barclays, Skipton International, Marsden BS and specialists. Deposit is usually 25–35% and income proof requirements are stricter. ### Are there UK mortgages for people over 65 or 70? Yes — RIO (retirement interest-only), later-life lifetime mortgages, and standard mortgages with max term to age 75–85 depending on lender. A retirement mortgage specialist is essential. Why we ask for your details Calculators are educational. A free broker sense-check turns them into something actionable — specific to your credit profile, income type and lender criteria. ### Speak with a vetted broker Free introduction to an FCA-regulated adviser experienced in your scenario. [Match me with a broker](/find-a-mortgage-broker) ### All calculator categories - [Affordability](/calculators/affordability) - [Repayments](/calculators/repayments) - [Borrowing & LTV](/calculators/borrowing) - [Remortgage](/calculators/remortgage) - [First-Time Buyer](/calculators/first-time-buyer) - [Buy-to-Let](/calculators/buy-to-let) - [Equity](/calculators/equity) - [Costs & Stamp Duty](/calculators/costs) - [Overpayments](/calculators/overpayments) - [Comparison](/calculators/comparison) - [Specialist mortgages](/calculators/specialist) - [Refinance & Switching](/calculators/refinance) - [Income](/calculators/income) - [Investment](/calculators/investment) First Rung Now Independent UK mortgage education and broker matching. We don't sell mortgages — we help you understand them, then connect you with vetted advisers. 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