UK Mortgage Guide: How Self-Employed & Complex Income Mortgages Work
Mortgages can feel complicated — especially in the UK, where rules, lender criteria, and affordability checks aren’t always clearly explained.
This learning section is designed to break things down in a simple, practical way. It explains how mortgages work, how lenders think, and what you need to prepare at each stage — whether you’re just starting out, self-employed, or buying your first home.
The content is organised into modules, chapters, and topics:
- Modules cover key stages of the mortgage journey
- Chapters focus on specific areas within each stage
- Topics explain one concept at a time, in clear language
You can read topics on their own or follow the full journey from start to finish. Each section builds on the last, helping you understand the process before making any decisions.
If, at any point, you want to talk through your situation or check how this applies to you, you can book a conversation — no pressure, just clarity.
Important Information
All content in the Offlend Learn section is for general information only and does not constitute mortgage advice or a recommendation.
Offlend operates as a lead management platform, helping connect borrowers with independent, FCA-authorised mortgage advisors, who can assess individual circumstances and provide regulated advice.
Frequently Asked Questions
How do mortgages work in the UK?
A UK mortgage is a secured loan used to purchase property. The lender assesses income, affordability, credit history, and the property value before making a lending decision.
Can self-employed borrowers get a mortgage in the UK?
Yes, many lenders offer mortgages to self-employed borrowers. Income assessment may be based on SA302s, tax year overviews, or company accounts, depending on how the borrower is paid.
How do lenders assess mortgage affordability?
Lenders typically review income, regular expenses, existing credit commitments, and stress-test repayments to assess affordability.
Does credit history affect mortgage approval?
Credit history plays an important role. Lenders review credit reports to understand past borrowing behaviour and assess risk.
What does FCA-authorised mortgage advice mean?
FCA-authorised mortgage advisors are regulated professionals who can provide mortgage advice in line with UK financial regulations.