Self-employed? Get expert mortgage advice in Newport Pagnell and Milton Keynes. Tickford Mortgage Solutions helps sole traders, contractors, and company directors secure the right mortgage. 

If you’re self-employed, securing a mortgage can feel more complicated — but with the right guidance, it’s absolutely possible. At Tickford Mortgages, we specialise in helping self-employed clients across Newport Pagnell, Milton Keynes, and beyond to access the mortgage finance they deserve.

Whether you’re a sole trader, a limited company director, a contractor, or a freelancer, we’ll make sure your income is presented in the best possible way to lenders — so you can get the mortgage you need to buy your next home or grow your property portfolio.

While the fundamentals of a mortgage application remain the same, lenders often assess self-employed applicants differently to those in PAYE employment. They want to see evidence of your income stability, business performance, and future affordability — and that’s where we come in.

We work with all types of self-employed professionals, including:

• 👨‍🔧 Sole traders – with one, two, or more years of trading history
   
• 🏢 Limited company directors – even if your profits exceed your salary and dividends
   
• 👷‍♂️ CIS workers – including subcontractors in the construction industry
   
• 💼 Contractors and freelancers – whether you’re on short-term contracts or working day-rate roles
   

Even if you’ve been declined elsewhere or told you don’t meet the criteria, don’t give up. With our experience and lender relationships, we may still be able to help.

Every lender has their own approach to assessing self-employed income. Some focus on net profit, others on salary and dividends, and some will consider retained profits or day rates.

At Tickford Mortgage Solutions, we’ll:

• 📊 Review your accounts and income documents (e.g. SA302s, tax calculations, tax year overviews, and company accounts)
   
• 🔎 Explain exactly how different lenders assess your income — and how much you’re likely to be able to borrow
   
• ✅ Match you with lenders that understand your business structure and are flexible with self-employed applications
   
• 🗂️ Help you organise your documentation and application to give you the best chance of approval
   

Suppose now isn’t the right time to apply. In that case, we’ll give you clear, practical steps to improve your chances — whether that’s increasing your declared income, preparing your accounts differently, or building a stronger financial profile for the next tax year.

Our expertise goes beyond just finding you a mortgage — we help you plan, prepare, and position your application for success. Here’s what you can expect:

• 🏡 Local expertise – in-depth knowledge of the housing market across Newport Pagnell, Milton Keynes, and nearby areas
   
• 💼 Specialist experience – we regularly work with complex income structures, including company directors with retained profit, newly self-employed clients, and contractors
   
• 🔍 Whole-of-market access – we have relationships with both mainstream banks and specialist lenders who understand self-employed borrowers
   
• 💬 Straightforward, jargon-free advice – we make the process clear from day one and keep you updated at every step
   

If you’re planning to apply for a mortgage in the next 6–12 months, a little preparation goes a long way. Here’s how you can strengthen your application:

• ✅ Keep your business and personal finances separate
   
• ✅ File your tax returns on time and keep records up to date
   
• ✅ Speak to a mortgage adviser early — even before you start house-hunting
   

Being self-employed shouldn’t hold you back from owning a home or investing in property. With the right advice and preparation, lenders are often more flexible than you might think.

At Tickford Mortgages, we’re proud to support business owners, contractors, and freelancers across Newport Pagnell, Milton Keynes, and beyond. Whether you’re buying your first home, remortgaging, or expanding your property portfolio, we’re here to help you every step of the way.

Get in touch today for a free, no-obligation consultation. We’ll review your income, explore your options, and help you understand how much you could borrow — so you can move forward with confidence.

📍 Supporting self-employed clients across Newport Pagnell, Milton Keynes, Broughton, Brooklands, Olney, and beyond.
 

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