Self-Employed Mortgage Calculator

Step 1: Annual Income What is your annual income?

Use your two-year income average, or latest year if lower.

Sole trader/partner: Profit (or share) after expenses, before personal tax. Company director: Salary before tax plus dividends.

Joint application? Include both incomes (before tax if employed). Under two years' accounts or unsure? Enter your best estimate; our advisers can help.

Step 2: Deposit / Existing Equity How much deposit or existing equity do you have? (£)

Buying a property? Enter the deposit you plan to use towards your purchase.

Remortgaging? Enter your property's estimated current value minus your outstanding mortgage and any other loans secured on it.

Step 3: Monthly Financial Commitment Costs What are your monthly financial commitment costs? (£)

Include monthly repayments towards credit cards, personal loans, car finance and hire purchase agreements for everyone applying.

Enter your monthly repayments rather than the total outstanding balances. Lenders will also consider your other living expenses when carrying out a full affordability assessment.

Step 4: Preferred Mortgage Term What is your current or preferred mortgage term in years?

If you’re unsure, enter 30 years for now. You can always adjust this to see how a different mortgage term affects your repayments.

Step 5: Name Full Name

We'll use your details to provide your mortgage estimate and follow up on your enquiry.

Step 6: Email Email Address

We'll use your email address to contact you about your mortgage estimate and borrowing options.

Only one more step before you receive your mortgage estimate.

Step 7: Phone Number Phone Number

You’re almost there. Your mortgage estimate will be displayed on the next screen. Please ensure you include the '07' prefix when entering your phone number.

By submitting, you confirm that you agree with our privacy policy and consent to us contacting you by email and phone. You can opt out at any time.

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You could borrow up to the following: £ This is an estimate based on the information you've provided. The amount you could borrow will depend on your circumstances and individual lender criteria, which our fee-free mortgage advisers will be able to explore with you. What happens next? One of our mortgage advisers will be in touch by email and phone to talk through your results, review your income and discuss your mortgage options. Boon Brokers is FCA regulated and provides fee-free, whole-of-market mortgage advice, with no obligation to proceed. In the meantime, why not follow us on socials? We share mortgage tips and more.

Expert-Reviewed Self-Employed Mortgage Calculator

Reviewed by: Gerard Boon

Managing Director, Boon Brokers

B.A (Hons), CeMAP, CeRER

Last reviewed: 28 October 2026

Gerard has reviewed this Self-Employed Mortgage Calculator’s calculation method, assumptions and supporting mortgage guidance for accuracy and clarity.

The results are an estimate based on the information you enter and the calculator’s assumptions. They do not constitute a mortgage offer or personalised mortgage advice.

How Much Could You Borrow If You're Self-Employed?

Our free Self-Employed Mortgage Calculator provides you with an instant estimate of how much you could potentially borrow for a mortgage based on your annual income and financial commitments.

Whether you’re a sole trader, freelancer or limited company director, simply enter a few details about your earnings, available deposit and preferred mortgage term to receive an initial borrowing estimate.

For a more detailed understanding of your borrowing potential, our fee-free mortgage advisers can review your accounts, proof of income and financial circumstances, helping you identify suitable lenders and explore the mortgage options available.

Contact a Fee-Free Adviser

How Can You Use Your Self-Employed Mortgage Calculator Results?

The results from the Self-Employed Mortgage Calculator will provide you with an insight into your current borrowing potential. This can be a great starting point to start considering your options and what may be possible before applying for a mortgage.

With a better understanding of how much you could borrow, you can begin to explore:

Your property budget: Combine your estimated mortgage borrowing with your available deposit to get an idea of the property prices you could consider.
Your deposit options: Explore how increasing your deposit could reduce your loan-to-value (LTV) ratio and potentially give you access to a wider range of mortgage products.
Your mortgage options: Consider different mortgage types, terms and products before discussing which lenders may be suitable for your self-employed income.

It’s important to note that the self-employed income may be assessed differently depending on your business structure. Lenders may assess your net profits, salary and dividends, or previous years’ earnings when calculating affordability.

As a result, the amount you could actually borrow may be higher or lower than your initial calculator estimate.

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Personalised Mortgage Advice for Self-Employed Applicants

Getting a mortgage when you’re self-employed doesn’t have to be complicated. Our fee-free mortgage advisers understand how different lenders assess self-employed income and can help you explore suitable mortgage options.

With whole-of-market access to over 1,000 mortgage products, we can review your individual circumstances, help you prepare a strong application and guide you through the mortgage process, avoiding unnecessary delays wherever possible.

Get Personalised Advice

Looking for a Different Calculator?

Whether you’re looking to remortgage, considering equity release or planning to move home, our other mortgage calculators can help you understand your options and plan your next steps.

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

Boon Brokers Limited is authorised and regulated by the Financial Conduct Authority (FCA). The Financial Services Register number is 973757. The FCA does not regulate some Buy to Let mortgage contracts. We do not charge a fee for our mortgage, insurance or equity release advice and arrangement services. Calls may be recorded for training and monitoring.