Independent Mortgage Advice for The Self-Employed

John Charcol understands the challenges independent professionals face and, with over 40 years’ experience in the industry, we’ve helped many secure mortgages even after high street lenders have turned them down.

Our partnership with IPSE (The Association of Independent Professionals and the Self-Employed) allows us to help more self-employed and independent professionals like you find the right mortgages – ones that actually suit your circumstances.

Using a reliable independent mortgage broker can save you thousands when it comes to purchasing a home or property investment. John Charcol have helped many self-employed and independent professionals to secure mortgages even if high street lenders have turned them down.

Why choose John Charcol mortgage brokers?

We Take Care Of Everything

With over 45 years of service, we've seen it all. We can save you money, time and make buying your property easy.

We're Highly Recommended

We have over 1,500 5* reviews on, so you can feel confident that your mortgage is in the right hands.

Move-in Service

Offering a complimentary move-in service. Saving you on average £290 and 8 hours of your time.

How Much Can I Borrow?

Mortgage loan calculator
First applicant

First Mortgage Applicant

* £
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Second applicant

Second Mortgage Applicant

* £
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As a guide, you could potentially borrow around:


Want to find out more? Call us or Email Us

This is not a quotation under the Consumer Credit Act. Figures are subject to validation of income, credit checks and a property valuation.

The 'How much can I borrow' mortgage calculator is a great way to start – but it’s certainly not a definitive answer – and if it’s not the answer you’re looking for, our experts can review your full situation and advise on the most appropriate course of action, including products you might not previously have considered.

Request Your Free Consultation

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Frequently asked questions

How can I get a mortgage if my accountant is working to minimise profit for tax-efficiency in the business?

Many self-employed people face this problem. At John Charcol, we know how to make the best case and which lenders are happy to look beyond the headline figures to understand what you can really afford.

If the high street lenders tell me I can’t get the multiple on my salary, are there other places I can go?

Yes. We deal with regional building societies, private banks and other niche lenders who will look at each client on an individual basis. The range of income multiples can be as high as five times or more.

Can you help me to arrange a mortgage around my intense work schedule?

At John Charcol we’re used to working with busy individuals who are under real time pressure. That’s why we come to you and fit in with your schedule. 

Is there a fast-track service so that I can secure the property I have my eye on now?

Unlike high street lenders we’re quick and nimble, so if you need us to get a mortgage offer fast so that we can secure a particular property, we’ll do everything we can to make that happen.

I want a flexible mortgage that allows me to use my bonus to reduce it each year in significant payments. Can that be arranged?

We’re expert at arranging this kind of mortgage, making the best of low rates of borrowing with capital payments when bonuses are available.

Can I speak to someone with the authority to make decisions based on my real circumstances rather than computer-set limitations?

Yes. At John Charcol our consultants are all experienced independent mortgage advisers. We often arrange self-employed mortgages through reputable private banks and investment houses who have much more flexibility on who they lend to and how much they will lend.

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