Tool

Self-Employed Affordability

Your details How do you trade?

Lenders typically use a 2-year average of your SA302 profit figures.

Income — last 2 years

Year 1 Net Profit (most recent)

Year 2 Net Profit

How lenders assess your income

2yr Average

Lower Year

Latest Year

Number of applicants

Just me

Joint application

Monthly commitments

Credit cards / loans

Car finance / leases

Dependants

Deposit available

Estimated affordability

Complete your details to see your estimated borrowing range

Assessed Annual Income — —

Conservative — 4× income

Typical — 4.5× income

Maximum — 5.5× income

Total assessed income —

Monthly debt commitments —

Dependant deduction (est.) —

Deposit —

Max purchase price (typical) —

Years trading (required) Min. 2 years SA302s

How lenders assess this

—

Illustrative only. Lenders vary significantly in their criteria for self-employed applicants. A specialist mortgage broker can identify the best lender for your trading structure.