Winners 2026
Your self-employed
borrowing power, in seconds
The UK's first borrowing calculator built specifically for the self-employed — sole traders, company directors, CIS subcontractors and contractors. No generic high-street maths.
How do you earn?
Pick the option that best matches how you take your income. We'll only ask for the figures that matter for that route.
Sole Trader
You file self-assessment and pay tax on your net profit.
Ltd Company Director
You pay yourself a salary plus dividends or retained profit.
CIS Subcontractor
You're paid under the Construction Industry Scheme.
Day-Rate Contractor
You bill a daily rate on contract.
Use your gross pay — the figure before the 20% CIS deduction comes off. That is what CIS-friendly lenders assess, not what lands in your bank.
We’ll average whatever you put in — leave a month blank if you haven’t got it to hand.
Deposit
How much have you got to put down? This is added to your maximum loan to give your total purchase price.
Credit commitments
Add any monthly commitments — loans, cards, car finance. If something will be cleared before completion, mark it so and we won't count it against your borrowing.
£ What would the monthly payments be?
An indicative repayment on your maximum loan.
Like what you see? Let's make it real.
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Your calculation summary
This calculator provides an indicative estimate only and does not constitute a mortgage offer, advice, or a guarantee of lending. Your specialist maximum loan is estimated as 6.5× assessable income less the impact of any monthly credit commitments not cleared before completion. Actual lending depends on a full assessment of your circumstances, credit profile, property and individual lender criteria. The 6.5× income multiple reflects an exclusive specialist arrangement and is subject to lender terms and availability. The high street figure is an illustrative 5× income comparison, not a quote from any named lender. Your home may be repossessed if you do not keep up repayments on your mortgage.