Mortgage Myth Busting: Can Two Self-Employed People Get a Joint Mortgage?

One of the most common misconceptions in the property world is that two self-employed people cannot apply for a joint mortgage. The truth is, they absolutely can.

The key difference lies in the paperwork. Lenders often require more detailed proof of income from self-employed applicants compared to salaried employees. This may include:

• Tax returns (SA302s)

• Full accounts prepared by an accountant

• Evidence of ongoing contracts or regular work

Each lender has different criteria, so while one might be stricter, others may be more flexible. That’s why it’s important to work with a broker who understands the self-employed mortgage market and can match you with the right lender.

At RBM Solutions, we help self-employed buyers and business owners navigate the process with confidence.

📧 info@rbmsolutions.co.uk
📞 02393 233 267
🌐 www.rbmsolutions.co.uk

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