Self-Employed Mortgages in Northern Ireland

Including Options with 1 Year of Accounts

Struggling to get a mortgage while self-employed? You’re not alone.

Many applicants are told they need 2–3 years of accounts or are unsure how their income will be assessed. In reality, options may still be available depending on your circumstances.



NI Mortgages are based in Newtownards and provide mortgage advice to self-employed clients across Northern Ireland. We help you understand your options and guide you through the process clearly.

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Been Told You Need More Years of Accounts?

Many high street lenders have strict criteria, but not all lenders take the same approach.

If you are self-employed, you may have:


  • Been turned away by your bank
  • Been told to wait another year or two
  • Been unsure how your income is assessed



Understanding which lenders may consider your situation can make a significant difference.

Self-Employed Mortgage Options

There are a range of mortgage options available depending on your circumstances.



Some lenders may consider applicants with shorter trading history, including situations where only 1 year of accounts is available. Others may require a longer track record.


We help you understand how these options apply to you and which lenders may be suitable.

Who This Is For

We work with self-employed clients across Northern Ireland, including:


  • Sole traders
  • Limited company directors
  • Contractors and freelancers
  • Newly self-employed individuals
  • Applicants with complex or variable income



If your situation doesn’t fit a standard approach, tailored advice can help you understand what may still be possible.

How Lenders Assess Self-Employed Applications

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Why Choose NI Mortgages

Choosing the right mortgage advisor can help you avoid delays and understand your options clearly.


  • Based in Newtownards, supporting clients across Northern Ireland
  • Access to a panel of UK lenders
  • Clear, straightforward advice
  • Support throughout the process



Initial consultation is free. A fee may apply once your mortgage application is submitted.

How It Works

We aim to keep the process simple and straightforward.

1.  Tell us about your situation

2. We review your details and explain your options

3. We guide you through the process from start to finish

Check Your Mortgage Options Today

Find out what may be available based on your situation.


  • Takes around 60 seconds
  • No obligation
  • No impact on your credit score
  • Completely confidential



Check My Eligibility

Limited availability for new enquiries this month.

Local Mortgage Advice in Northern Ireland

NI Mortgages are based in Newtownards and provide mortgage advice to clients across Northern Ireland, including Belfast, Lisburn, Bangor and surrounding areas.



We work with a panel of UK lenders and provide clear, straightforward guidance based on your individual circumstances. Our aim is to help you understand your options and make informed decisions about your mortgage.


You can speak to an advisor over the phone or arrange a consultation to discuss your situation in more detail.

Self-Employed Mortgage FAQs

  • Can I get a mortgage if I am self-employed?

    Many lenders will consider self-employed applicants, although criteria can vary.

  • Can I get a mortgage with 1 year of accounts?

    Some lenders may consider applications with 1 year of accounts depending on your circumstances.

  • How is my income assessed?

    This depends on the lender and may include accounts, tax calculations, or other income sources.

  • Will this affect my credit score?

    Initial checks are typically soft and do not impact your credit file.

  • Can I speak to someone locally about my mortgage options?

    Yes, NI Mortgages are based in Newtownards and work with clients across Northern Ireland, including Belfast, Lisburn and Bangor. You can speak to an advisor over the phone or arrange a consultation to discuss your situation in more detail.

  • Do you offer face-to-face mortgage consultations?

    Yes, NI Mortgages offer both remote and in-person consultations. You can arrange a meeting to discuss your mortgage options in more detail, depending on what suits you.