Self-Employed Mortgages
Tailored Mortgage Solutions for Self-Employed Professionals
At Harbour View Mortgages, we understand the unique challenges self-employed people face when securing a mortgage. As regulated mortgage brokers, we know how to present your income to lenders — searching the whole market and giving you expert, independent advice to secure the right mortgage.
Why Choose Us for Your Self-Employed Mortgage?
Specialist Knowledge
Our team has extensive experience working with self-employed clients and understands the complexities of self-employment income. We know how to present your financial information to lenders to improve your chances of approval.
Access to Specialist Lenders
We work with a range of lenders who specialise in self-employed mortgages, giving you access to competitive rates and terms that might not be available through traditional lenders.
Personalised Advice
Every self-employed individual’s situation is different. We offer tailored advice and solutions based on your unique circumstances, helping you secure the best mortgage deal.
Our Self-Employed Mortgage Process
01
Initial Consultation
We start with a no-obligation consultation to understand your business, income, and financial goals. This helps us identify the best mortgage options for you.
02
Documentation Review
We assist you in gathering and presenting the necessary documentation, such as tax returns, business accounts, and income statements, to support your mortgage application.
03
Lender Matching
We match you with lenders who understand self-employed income and are more likely to offer favourable terms. Our strong relationships with these lenders enable us to negotiate the best rates for you.
04
Application Support
We guide you through the application process, ensuring all paperwork is accurately completed and submitted promptly. We liaise with lenders on your behalf, making the process as smooth as possible.
05
Ongoing Support
Our support doesn’t end once your mortgage is secured. We provide ongoing advice and assistance, helping you manage your mortgage and plan for the future.
Tips for Self-Employed Mortgage Applicants
- Maintain Accurate Records: Keep detailed and accurate financial records, including tax returns and business accounts.
- Save for a Larger Deposit: A larger deposit can improve your mortgage terms and increase your chances of approval.
- Work with a Specialist Broker: A broker with experience in self-employed mortgages can provide valuable guidance and access to specialist lenders.
- Be Prepared: Have your documentation ready and be prepared to explain your business and income to potential lenders.
- Plan Ahead: Start the mortgage process early to give yourself plenty of time to gather documentation and explore your options.
Why Work With Harbour View Mortgages?
- Whole-of-Market Search: We compare mortgages from a wide range of lenders to find the most competitive deal you qualify for.
- Independent & Regulated: We’re a regulated mortgage broker working entirely in your best interest, not the lender’s.
- Save Time: We do the shopping around for you — one conversation and we handle the rest.
- Free, No-Obligation Consultation: Your first consultation with Harbour View costs you nothing.
Self-Employed Mortgage FAQs
Can I get a mortgage if I'm self-employed in Ireland?
Yes. Self-employed applicants can get a mortgage in Ireland, typically by providing two to three years of certified accounts and tax returns. Because lenders assess self-employed income differently, a broker who knows how to present your figures can widen your options.
What documents do self-employed mortgage applicants need?
Usually two to three years of certified accounts, tax returns or Notices of Assessment, personal and business bank statements, and evidence of your drawings or salary. We help you prepare and present these to the right lender.
How do lenders assess self-employed income?
Lenders generally look at net profit, or salary plus dividends for company directors, often averaged over recent years. Each lender treats this differently, which is why matching you to the right one matters.
Can company directors get a mortgage in Ireland?
Yes. How your income is assessed depends on your shareholding and how you draw income from the business. We work with lenders experienced in lending to directors and contractors.
Related guides: How much can I borrow? · Mortgage approval & documents · How much deposit?
Contact Us
Ready to explore your options as a self-employed professional? Tell us a few details and one of our regulated mortgage advisers will be in touch to search the market and find the right mortgage for you — with a free, no-obligation consultation.
