Self Employed Mortgages in Oxford
Why choose us for a self employed mortgage?
Getting a mortgage when you're self-employed can feel like an uphill battle. Lenders want more paperwork, ask more questions, and don't always make it easy. At Mortgage Genie, we know how to present your income in the best possible light — and we work with lenders who actually understand how self-employed people earn.
- We search deals from a wide panel of high-street lenders, challenger banks and specialist providers..
- Our advice is built around your actual financial picture, not a salaried template.
- No hidden fees. We're upfront about what we charge from the very beginning.
- We help self-employed buyers across Oxford, Oxfordshire and the wider UK.
Give us a call and let's see what's possible.
What to bring to your first appointment
Self-employed mortgage applications need a bit more groundwork than a standard application — but we'll walk you through exactly what's needed.
To get the most from your first conversation, it helps to have the following to hand:
- ✓ Two to three years of SA302 forms or tax year overviews (available from HMRC)
- ✓ Your last two to three years of accounts, ideally prepared by a qualified accountant
- ✓ Three months of business and personal bank statements
- ✓ Proof of any upcoming contracts or retained clients if you're a contractor
- ✓ Photo ID (passport or driving licence)
Don't have everything together yet? That's fine — we can still have a useful first conversation and point you in the right direction.
Frequently asked questions
Can I get a mortgage if I'm self-employed?
How do lenders calculate my income?
How much can I borrow?
What documents will I need?
Does it matter if my income has dropped in the last year?
What other costs do I need to budget for?
Contact Mortgage Broker Oxford today