Self-employed mortgage advice in Berkshire.
Company directors, contractors and sole traders are lent to every day, but how you're paid shapes which lenders will help, and how much they'll consider.
What we’ll talk through.
How income is read
Salary and dividends, retained profit, or an average of recent years. Lenders differ significantly.
Trading history
What's possible with one, two or three years of accounts, and what documentation is usually needed.
Contractors
Day-rate contracts are assessed differently again, and some lenders are far more comfortable than others.
Advice from people you can meet.
We work from an office in Sunningdale and advise clients across Ascot, Windsor and the wider Berkshire area. Our mortgage service sits within Ascot Wealth Management, so your mortgage can be considered alongside the rest of your financial position.
Meet the teamHow products of this kind are structured.
Example two-year fixed
4.19%
- Initial term
- 2 years
- Max LTV
- 75%
Product fee: £1,495
Borrowers with meaningful equity who want the lowest initial payment.
Example five-year fixed
4.05%
- Initial term
- 5 years
- Max LTV
- 60%
Product fee: £999
Lower loan to value cases where longer-term budgeting matters most.
Example two-year fixed
4.69%
- Initial term
- 2 years
- Max LTV
- 85%
Product fee: £1,295
Directors, contractors and sole traders whose income needs careful presentation.
Illustrative examples only. These are not live lender rates, not a quotation and not an offer of credit. Last updated 2026-09-15.
Illustrate your repayments.
Indicative only, not a quote
Estimated monthly repayment
£2,890
- Property value
- £650,000
- Deposit
- £130,000 · 20.0%
- Loan amount
- £520,000
- Term
- 25 years
- Rate
- 4.50%
- Loan to value
- 80.0%
- Total payable
- £867,099
Indicative only. This calculator does not constitute a mortgage quotation or offer. Actual repayments, rates and eligibility depend on your individual circumstances and lender criteria. Figures are calculated on a capital and interest repayment basis and exclude fees. Your home may be repossessed if you do not keep up repayments on your mortgage.
Start with a conversation.
Tell us what you’re looking to do and when suits you. No obligation.