Self Employed

As of the first quarter of 2026, there were around 4.57 million self-employed workers* in the United Kingdom, with many in need of specialist mortgage advice.

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

Self Employed Mortgages

At Melius, this is where we come into our own!

As of the first quarter of 2026, there were around 4.57 million self-employed workers* in the United Kingdom, with many in need of specialist mortgage advice. At Melius, we can provide that advice. Our two founders, Daniel & James have always specialised in helping this type of client in what can sometimes be slightly more complex in terms of income verification / overall mortgage application.

The first thing we need to establish is your setup. You may work for yourself directly as a sole-trader, with a business partner as a partnership or under your own company as a director. In any of these scenarios, a lender will consider you self-employed and the assessment of your income will differ as a result.

With the majority of employed applicants, lenders will ask for payslips, P60’s and employers’ references. Being self-employed, you will not have these documents, so how do we evidence your income?

Are You A Self Employed?

As of the first quarter of 2026, there were around 4.57 million self-employed workers* in the United Kingdom, with many in need of specialist mortgage advice. At Melius, we can provide that advice.

We Can Support

First Time Buyers

Buying your first home is an incredibly exciting time and we are delighted to be in a position to help you on this journey.

Self Employed Mortgages

Being self-employed comes with its perks and plus points but obtaining a quality mortgage can sometimes be extremely tough. If you want to purchase a property, the process of obtaining a mortgage can often be tremendously frustrating.

Struggles can arise when it comes to proving you have a steady income stream that is both substantial enough to support a family whilst also maintaining your mortgage repayments.

At Melius, we can help you secure your desired mortgage, no matter what your self-employed circumstances are. Whether you’ve only been trading for a short period, or you only pay yourself a small wage, we will help make the process as easy, streamlined, and stress-free as possible, whatever the amount you want to lend.

Buying To Let

Taking a buy to let mortgage is a little different from buying the home that you intend to live in, and we’re here to guide you through every step of the way.

The Financial Conduct Authority does not regulate some forms of Buy-To-Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

Large Buy To Let Mortgages

When it comes to million-pound buy-to-let mortgages, there’s no perfect fit. That said, with access to hundreds of lenders, at Melius we negotiate and secure the most suitable buy-to-let mortgage rates available to you.

The UK is home to one of the most competitive buy-to-let mortgage markets in the world and encompasses everyone from major banks to building societies.

Working alongside you as trusted advisor, at Melius Finance we will help you with the presentation of your assets and finances accordingly.

Re-Mortgaging

Re-Mortgaging is the process of transferring your mortgage from your current lender to a new one, usually with the aim of securing a better deal than your current.

Large Mortgage Loans

We help high-net-worth and esteemed clients secure large mortgage loans across the UK and global property market. With exclusive access to hundreds of lenders, we have a vast understanding of every type of mortgage available, from buy-to-let properties to a large family home.

At Melius, we make obtaining a large mortgage loan simple and straightforward. Our team of knowledgeable and dedicated experts specialise in identifying the most suitable mortgage rate for you and act on your behalf throughout the entire process. We also pride ourselves on how we go about advising on large mortgage loans for wealthy individuals and their family homes, providing an unprecedented service to our clients.

Finding the most suitable large mortgage solution for you is what we thrive on, helping you purchase that high-end family home you’ve worked so hard to acquire.

Million Pound Mortgages

At Melius, we have the ability to search for million pound mortgages thanks to our extensive industry knowledge and vast network of lenders.

We provide comprehensive lending solutions from £1m to several million pounds, and we are always thoughtful and robust.

Our passion, experience, and knowledge of the market enables us to help organise million-pound mortgages for any type of client.

Private Bank Mortgages

At Melius, we work tirelessly to secure high value, multifaceted, and personalised private bank mortgages across the UK. Reputation is key in this sector, while our access to the private banking sector is extensive. In addition, many leading private banks are comfortable working with us on complex mortgage scenarios.

Often suited to high-net-worth wealthy individuals, a private bank mortgage is a viable option for your mortgage requirements and can even provide more competitive rates and products compared to those on the high-street.

With access to almost every private bank in the country, we can move fast and present you with options domestic banks simply cannot.

Releasing Equity from High Value Properties

Do you own a high-value property or extensive real estate portfolio? Releasing capital from a property can make perfect sense, even more so if you aspire to renovate your home, retire, or enjoy an expensive trip away.

With this in mind, high value equity release has become even more enticing, presenting many property owners and investors with an opportunity to release equity from one or more of their homes.

Complex Mortgages

At Melius, no mortgage is too complex- we are dedicated to try and help you whatever the circumstances, and aim to find you the most suitable solution depending on your individual needs.

High Value Mortgages

A high loan-to-value (LTV) ratio of a mortgage is gaged as a percentage of the property’s value. Lenders want to share as much risk as possible when it comes to high-value mortgages, even more so when it comes to couples and families.

It’s important to note that the risk that the lender puts on the mortgage is always expressed in the interest rate your lender provides. With this in mind, we encourage you to discuss your high loan-to-value mortgage options with the team here at Melius.

The Financial Conduct Authority does not regulate some forms of Buy-To-Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

Self Employed

Self Employed Mortgages

Are You A Self Employed?

We Can Support

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