Self-Employed Income Calculator UK
Estimate a self-employed income figure before checking mortgage affordability. This is general information only, not a lending decision or mortgage advice.
This calculator is for illustration only and provides estimates for general information. It is not mortgage advice, a mortgage offer, a decision in principle or a guarantee of rates, fees, eligibility or savings.
Self-Employed Income Calculator
Estimate the annual income figure a lender may start from before wider affordability checks.
Modelled annual income
£0
Basis used
Two-year average
Documents lenders may ask for
SA302s or tax calculations, tax year overviews, business bank statements, ID, proof of address and proof of deposit.
This estimate models one common starting point for income assessment. Lenders may use a different figure after reviewing accounts, tax documents, bank statements, credit history, commitments and property details.
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Keep a copy of this estimate
Email yourself a PDF summary of the figures currently shown on this calculator.
Calculator results are estimates only. Actual rates, fees, eligibility and products depend on your circumstances and lender criteria.
Calculator results are estimates only and are for general information only. They are not mortgage offers, decisions in principle or regulated mortgage recommendations.
How self-employed income can be assessed
Lenders usually look for evidence that income is sustainable. They may review recent accounts, tax calculations, tax year overviews, business and personal bank statements, committed expenditure and credit history.
Why the income figure can differ
A sole trader may be assessed on net profit, a company director may be assessed on salary and dividends, and a contractor may be assessed using contract income. Some lenders take an average, some use the latest year and some may take a more cautious view where income has reduced.
Next step
Request a callback if you want an adviser or broker partner to review your figures and explain what documents may be needed before any application.
Frequently asked questions
Is this the income a lender will definitely use? +
Should a company director use salary and dividends? +
How is contractor income estimated? +
Does using this calculator affect my credit score? +
Suggested next steps
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